Review Checklist

 

Insurance Checklist

• The following checklist should be reviewed prior to submitting insurance documentation to Skanska.  Skanska's insurance reviewers follow the same checklist; therefore, if any of these items cannot be checked off as completed then Agent, Broker, and/or Subcontractor needs to outline what is not completed with explanation for each as to the reason why it is not completed.  If at any point during the review process Skanska feels an Agent or Broker has not reviewed our insurance submission policies, then the insurance documentation will be returned with a request to review the policy along with this checklist.
• Skanska may ask for additional documentation or verification of coverage not referenced here

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**NOTE: If subcontractor is utilizing a PEO/Leased Employees, the following PDF will need to be reviwed, in addition to the below checklist, prior to submitting insurance as we will be reviewing for these additional requirements:

PEO and MPP required documentation.pdf

CERTIFICATE OF INSURANCE AND ENDORSEMENTS/WAIVERS

TOP OF CERTIFCATE OF INSURANCE

1.  Named Insured (subcontractor) legal entity name/address stated as it is listed with the Secretary of State.  If "dba" is used it must be in conjunction with the legal entity name.

2.  Insurance Producer/Agent contact information completed including email address.  Skanska will respond directly to the Agent for any revisions needed

3.  Carrier names listed and NAIC # provided for each.  (See AM Best requirements in Exhibit G)

GENERAL LIABILITY COVERAGE

4.  "Occurrence" box checked

5.  "Per Project" box checked

6.  Policy Number listed (TBD or Binder not acceptable)

7.  Effective Dates of policy are current

8.  Limits meet requirements in Exhibit G (Also, see Project Information Page submitted with Insurance Packet provided with Bid Documents)

AUTOMOBILE LIABILITY COVERAGE

9.  "Any Auto" checked.  If not, "Hired" and "Non-Owned" must be checked, Schedule of Autos provided (if checked), and letter from Named Insured attached stating no vehicles owned in company name.

10. Policy Number listed (TBD or Binder not acceptable)

11. Effective Dates of policy are current

12. Limits meet requirements in Exhibit G (Also, see Project Information Page submitted with Insurance Packet provided with Bid Documents)

UMBRELLA/EXCESS LIABILITY COVERAGE (Schedule of Underlying policies may be requested by Skanska for verification purposes)

13. "Occurrence' box checked

14. "Umbrella" or "Excess" box checked

15. Policy Number listed (TBD or Binder not acceptable)

16. Effective Dates of policy are current

17. Limits meet requirements in Exhibit G (Also, see Project Information Page submitted with Insurance Packet provided with Bid Documents)

WORKERS COMPENSATION AND EMPLOYERS LIABILITY COVERAGE (If PEO/Leased Employees is being utilized, see additional checklist for PEO/Leased Employees)

• Coverage must apply in the State in which the work is being performed, if the subcontractor is from a state other than the one where project is located

18. "Any Proprietor/Partner/Executive Officer/Member Excluded" box marked with "Y" or "N".  If "Y", names listed on Certificate of Insurance

19. Policy Number listed (TBD or Binder not acceptable)

20. Effective Dates of policy are current

21. "Statutory Limits" box is checked

22. Limits meet requirements in Exhibit G (Also, see Project Information Page submitted with Insurance Packet provided with Bid Documents)

DESCRIPTION OF OPERATIONS

23. Project Name/Number/Address exactly stated as it is referenced in Subcontract (Also, see Project Information Page submitted with Insurance Packet provided with Bid Documents)

24. Description of Operations wording stated as such or equivalent to wording in the "Description of Operations" section of Sample Cert located within Exhibit G of subcontract

CERTIFICATE HOLDER SECTION

25. Skanska USA Building Inc. or legal J/V company name listed along with home office where project resides

GL ADDTIONAL INSURED ENDORSEMENT(S) FOR ONGOING/COMPLETED OPERATIONS

26. Form CG 2010 11/85 or forms CG 2010 10/01 plus CG 2037 10/01 endorsed to policy. If not, equivalent form(s) including ongoing /completed operations endorsed to policy.  (See Compliant / Non-Compliant Forms Database)

27. If applicable, when schedules on endorsements exist - all additional insureds scheduled and project information listed for locations of operations or compliant blanket wording provided

GL PRIMARY AND NON-CONTRIBUTORY ENDORSEMENT

28. Form CG 2001 04/13 endorsed to policy.  If not, equivalent form(s) covering both ongoing and completed operations endorsed to policy.  (See Compliant / Non-Compliant Forms Database)

29. If applicable, when schedules on endorsements exist - all additional insureds scheduled and project information listed for locations of operations or compliant blanket wording provided

GL WAIVER OF SUBROGATION ENDORSEMENT

30. Form CG 2404 or equivalent endorsed to policy granting all additional insureds a waiver of subrogation.  (Note, not all language is compliant.  At this time we do not database GL Waiver forms we review; therefore, its suggested that verifying compliance with Skanska before endorsing on policy)

31. If applicable, when schedules on endorsements exist - all additional insureds scheduled and project information listed for locations of operations or compliant blanket wording provided

WORKERS COMPENSATION AND EMPLOYERS LIABILTY WAIVER OF SUBROGATION ENDORSEMENT

• Waiver of Subrogation endorsement not required in states such as: KY, NH, NJ, UT, or MO per state law
• Stop Gap endorsement required in monopolistic states such as: ND, OH, WA WY or Puerto Rico

32. Form endorsed to policy granting all required parties a waiver of subrogation. (Note, not all language is compliant. At this time we do not database WC Waiver forms we review; therefore, its suggested that verifying compliance with Skanska before endorsing on policy)

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