Additional insured, waiver & endorsement verification
Wardly checks for additional insured status—and the endorsement forms behind it, like CG 20 10 and CG 20 37—plus waiver of subrogation and primary & non-contributory language, all against what you require. Free forever, unlimited subcontractors.
Get started freeA checked box isn’t proof of coverage
The most expensive mistake in COI review is treating the boxes on an ACORD 25 as the coverage itself. They’re not.
Additional insured status is granted by an endorsementto the subcontractor’s policy—a form like CG 20 10 for ongoing operations or CG 20 37 for completed operations. The certificate’s “additional insured” box only describesthat coverage; it can be checked without the underlying endorsement actually being in place. The same is true for waiver of subrogation and primary & non-contributory language: the words on the certificate are a summary, and what protects you is whether the policy really carries them.
When you accept a certificate on the strength of the boxes alone, you can end up believing you’re a covered additional insured—until a claim reveals you never were.
What Wardly verifies—and how it surfaces gaps
Wardly checks for
- Additional insured status and the endorsement forms behind it (e.g., CG 20 10 / CG 20 37).
- Waiver of subrogation where your contract requires it.
- Primary & non-contributory language.
- Each item measured against your requirements, not a generic template.
When something’s missing
- A missing endorsement doesn’t get quietly filed as “received.”
- The gap is reflected in the certificate’s A–F grade.
- You get a plain list of what’s missing to send back to the sub—before work starts.
Frequently asked questions
Why isn’t a checked “additional insured” box enough proof?
The additional insured box on an ACORD 25 is a description, not the coverage itself. Additional insured status is granted by an endorsement to the subcontractor’s policy—forms like CG 20 10 or CG 20 37. A checked box with no supporting endorsement can mean you aren’t actually covered as you assumed, which is why Wardly looks for the endorsement, not just the box.
Which endorsements does Wardly check for?
Wardly checks the certificate for additional insured status and the relevant endorsement forms (such as CG 20 10 for ongoing operations and CG 20 37 for completed operations), waiver of subrogation, and primary and non-contributory language—comparing each against the requirements you set for the job.
What does Wardly do when an endorsement is missing?
It surfaces the gap. Rather than silently accepting a certificate, Wardly reflects the missing additional insured endorsement, waiver, or primary and non-contributory language in the certificate’s A–F grade and in a plain list of what’s missing—so you know exactly what to send back to the sub before work starts.
Verify the endorsements, not just the boxes.
Add a sub, send an upload link, and let Wardly check additional insured, waivers, and endorsements—free forever, no sales call.
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