Each trade's requirements are compiled from primary insurance industry sources: NCCI workers' comp class codes, ISO commercial general liability rating bureau guidance, and the recommended minimums published by major property management trade associations (IREM, BOMA, NARPM). The numbers are conservative — they reflect what is typically required, not the absolute minimum.

For most states, yes. Workers comp class codes follow NCCI in 38 states and Washington DC; California, New York, Pennsylvania, Delaware, New Jersey, Minnesota, Massachusetts, and Wisconsin use state-specific class code systems. The generator notes when state-specific overrides apply. For workers comp, always verify against your state's rating bureau before contract execution.

Without an additional insured endorsement, the contractor's insurance only protects the contractor — your property is exposed even when their work causes the loss. The CG 20 10 (ongoing operations) and CG 20 37 (completed operations) endorsements extend the contractor's liability coverage to you as the property owner. Always require both, not just CG 20 10.

This generator outputs requirements you can paste into a contract or RFP. COIPulse the product ingests actual COI documents from your vendors, tracks expiration, validates endorsements, and alerts you when coverage lapses. The generator helps you define what to ask for; the product helps you enforce it across hundreds of vendors continuously.

Yes — click Print, then 'Save as PDF' in your browser's print dialog. The output is print-styled to fit one or two pages cleanly. You can include the printout as an exhibit to your master services agreement or subcontractor agreement.