Free tool

Insurance Requirement Mapper

Turn an agreement's insurance clause into an organized list of the policies, limits, endorsements, and evidence it asks for, and keep what was requested strictly separate from what anyone has actually confirmed.

Produced with the Insurance Requirement Mapper on BestInsurance Research. Non-binding working notes only. Nothing here was submitted to, received by, or reviewed by an insurance company, and nothing here is a quote, a coverage determination, or an eligibility decision.

What kind of agreement is this?This only labels your printed checklist. Every requirement below stays available whatever you pick, because agreements do not respect categories.

Agreement type: not specified

Read the contract first

Read the contract first. Tick what the agreement asks for, then what someone has actually confirmed.
Requirement	Type	Requested	Confirmed	Open question	Your note
Log the indemnity clause separately from the insurance scheduleThese are two different obligations. Copy the indemnity or hold-harmless wording in verbatim rather than summarizing it, and record the insurance schedule as its own set of rows. Splitting them this way is common market practice rather than a legal or filed requirement, and no source in this cluster imposes it. This tool records the clause; whether a given clause is enforceable is a legal question for a lawyer.	Question	Requested by the agreement: Log the indemnity clause separately from the insurance schedule	Confirmed by an insurer or broker: Log the indemnity clause separately from the insurance schedule	Open question: Log the indemnity clause separately from the insurance schedule	Your note about Log the indemnity clause separately from the insurance schedule
Record the contract date, the project type, and the owner typeCalifornia's construction anti-indemnity statutes turn on these three facts, and they reach only construction contracts. Except as provided in Sections 2782.1, 2782.2, 2782.5 and 2782.6, Civil Code Section 2782(a) voids provisions contained in, collateral to, or affecting any construction contract that purport to indemnify the promisee against liability for damages arising from the sole negligence or willful misconduct of the promisee or of the promisee's agents, servants, or independent contractors who are directly responsible to the promisee, or for defects in design furnished by those persons; subdivision (a) also provides that the section does not affect the validity of any insurance contract, workers' compensation, or agreement issued by an admitted insurer as defined by the Insurance Code [1]. Subdivision (b) then splits by contract date for public agency contracts: (b)(1) covers those entered into before January 1, 2013 and reaches provisions imposing the public agency's active negligence on the contractor, while (b)(2) covers those entered into on or after that date and reaches any contractor, subcontractor, or supplier of goods or services. Subdivision (c) covers private owner contracts entered into on or after January 1, 2013 [1]. Record the contract date, whether the counterparty is a public agency or a private owner, and whether the agreement is a construction contract at all.	Question	Requested by the agreement: Record the contract date, the project type, and the owner type	Confirmed by an insurer or broker: Record the contract date, the project type, and the owner type	Open question: Record the contract date, the project type, and the owner type	Your note about Record the contract date, the project type, and the owner type
Note the carve-outs that come with the private-owner ruleExcept as provided in subdivision (d) and Sections 2782.1, 2782.2 and 2782.5, and for construction contracts entered into on or after January 1, 2013 with the owner of privately owned real property to be improved, and as to which the owner is not acting as a contractor or supplier of materials or equipment to the work, Section 2782(c)(1) makes provisions unenforceable to the extent of the active negligence of the owner, including that of its employees [1]. Two qualifiers travel with that rule. Section 2782(c)(2) counts as a covered owner the holder of any interest in the property other than a mortgage or other interest held solely as security for performance of an obligation, and Section 2782(c)(3) provides that the subdivision does not apply to a homeowner performing a home improvement project on his or her own single family dwelling [1]. Record which of those descriptions fits your counterparty and send the clause to counsel.	Question	Requested by the agreement: Note the carve-outs that come with the private-owner rule	Confirmed by an insurer or broker: Note the carve-outs that come with the private-owner rule	Open question: Note the carve-outs that come with the private-owner rule	Your note about Note the carve-outs that come with the private-owner rule
Flag a subcontractor duty to defend the general contractorCheck the contract date before anything else, because Section 2782.05 reaches only a construction contract, and amendments to it, entered into on or after January 1, 2013 [2]. Within that scope, and except as provided in subdivision (b), California Civil Code Section 2782.05(a) makes void and unenforceable provisions that purport to insure or indemnify, including the cost to defend, a general contractor, construction manager, or other subcontractor, by a subcontractor, to the extent the claims arise out of, pertain to, or relate to the active negligence or willful misconduct of that general contractor, construction manager, or other subcontractor [2]. For a contract signed before January 1, 2013, this section is not the rule that governs. Record the clause and the date and route both to counsel rather than pricing around them.	Question	Requested by the agreement: Flag a subcontractor duty to defend the general contractor	Confirmed by an insurer or broker: Flag a subcontractor duty to defend the general contractor	Open question: Flag a subcontractor duty to defend the general contractor	Your note about Flag a subcontractor duty to defend the general contractor
Note which statutory bucket the contract falls intoThis bucket question only arises for a construction contract entered into on or after January 1, 2013, which is all Section 2782.05 reaches [2]. For such a contract, subdivision (b) carries thirteen numbered categories the section does not affect. Ten of them read: contracts for residential construction subject to any part of Title 7, direct contracts with a public agency governed by Section 2782(b), direct contracts with the owner of privately owned real property governed by Section 2782(c), any wrap-up insurance policy or program, a cause of action for breach of contract or warranty that exists independently of an indemnity obligation, indemnity provisions in loan and financing documents, general agreements of indemnity required by sureties as a condition of execution of bonds, the benefits and protections provided by the workers' compensation laws, the benefits or protections provided by the governmental immunity laws, and contracts with design professionals [2]. That is ten of thirteen; paragraphs (b)(11), on provisions requiring the purchase of specified insurance, and (b)(13), on agreements between a promisor and an admitted surety insurer, are not recited here, so read the full subdivision rather than treating this list as closed [2]. Note the word direct in the public agency and private owner items, and capture the project type, the owner type, and the contract date.	Question	Requested by the agreement: Note which statutory bucket the contract falls into	Confirmed by an insurer or broker: Note which statutory bucket the contract falls into	Open question: Note which statutory bucket the contract falls into	Your note about Note which statutory bucket the contract falls into
Separate the insurance-purchase obligation from the indemnity obligationFor a construction contract entered into on or after January 1, 2013, which is the only kind Section 2782.05 reaches, subdivision (b)(6) preserves a provision that requires the promisor to purchase or maintain insurance covering the acts or omissions of the promisor, including additional insured endorsements covering the acts or omissions of the promisor during ongoing and completed operations [2]. Map the insurance requirement and the indemnity requirement as separate rows so neither one hides inside the other.	Endorsement	Requested by the agreement: Separate the insurance-purchase obligation from the indemnity obligation	Confirmed by an insurer or broker: Separate the insurance-purchase obligation from the indemnity obligation	Open question: Separate the insurance-purchase obligation from the indemnity obligation	Your note about Separate the insurance-purchase obligation from the indemnity obligation
Ask whether a wrap-up, OCIP or CCIP program appliesAny wrap-up insurance policy or program is one of the categories Section 2782.05 does not affect, within that section's own scope of construction contracts entered into on or after January 1, 2013 [2]. Record whether the project has an owner-controlled or contractor-controlled program, what the program documents say it covers, what the enrollment deductible or assessment is, and what the program documents say each trade must still carry on its own. Read those answers off the program manual and the enrollment forms rather than assuming them.	Question	Requested by the agreement: Ask whether a wrap-up, OCIP or CCIP program applies	Confirmed by an insurer or broker: Ask whether a wrap-up, OCIP or CCIP program applies	Open question: Ask whether a wrap-up, OCIP or CCIP program applies	Your note about Ask whether a wrap-up, OCIP or CCIP program applies

Policies requested

Policies requested. Tick what the agreement asks for, then what someone has actually confirmed.
Requirement	Type	Requested	Confirmed	Open question	Your note
Commercial general liability, with the aggregate structure written downRecord the per-occurrence limit, general aggregate, products-completed operations aggregate, personal and advertising injury limit, and whether the contract asks for the aggregate to apply per project or per location. Recording the aggregate structure this way is common market practice rather than a legal or filed requirement. What counts as acceptable evidence varies by state and by certificate holder: as one example, the Minnesota Department of Labor and Industry states that the ACORD 25 certificate of liability insurance form, or a similar form filed with the Minnesota Department of Commerce, can be used to provide evidence of general liability insurance coverage [5]. Ask your own certificate holder what it will accept.	Limit	Requested by the agreement: Commercial general liability, with the aggregate structure written down	Confirmed by an insurer or broker: Commercial general liability, with the aggregate structure written down	Open question: Commercial general liability, with the aggregate structure written down	Your note about Commercial general liability, with the aggregate structure written down
Workers compensation and employers liability, as two separate entriesRecord the statutory workers compensation part and the employers liability limits separately, because contracts often specify an employers liability figure. For a California licensed contractor, CSLB requires a valid Certificate of Workers' Compensation Insurance or a valid Certification of Self-Insurance from the Department of Industrial Relations, or a signed exemption certifying no employees, and states that all active C-8, C-20, C-22, C-39 and C-61/D-49 licensees must carry coverage or hold a valid Certification of Self-Insurance whether or not they have employees [6].	Limit	Requested by the agreement: Workers compensation and employers liability, as two separate entries	Confirmed by an insurer or broker: Workers compensation and employers liability, as two separate entries	Open question: Workers compensation and employers liability, as two separate entries	Your note about Workers compensation and employers liability, as two separate entries
Automobile liability, including the auto symbols requestedRecord the combined single limit, whether the contract asks for any auto or for owned, hired and non-owned separately, and whether it asks for the certificate holder to be added as an additional insured on the auto policy. Enter the symbols exactly as the declarations show them. Describing auto coverage by numbered symbols is common market practice rather than a legal or filed requirement, no source in this cluster supports it, and what any given symbol means is set by the policy form in front of you, so read it off that form.	Limit	Requested by the agreement: Automobile liability, including the auto symbols requested	Confirmed by an insurer or broker: Automobile liability, including the auto symbols requested	Open question: Automobile liability, including the auto symbols requested	Your note about Automobile liability, including the auto symbols requested
Umbrella or excess liability, and whether it must follow formRecord whether the contract lets the requested total be met by a primary policy plus an umbrella, which underlying policies the umbrella must sit over, and whether the contract requires the umbrella to be follow-form and to pick up the same additional insureds. Meeting a requested total with a primary policy plus an umbrella is common market practice rather than a legal or filed requirement, and no source in this cluster supports it. Whether an umbrella follows form depends on the umbrella policy and its schedule of underlying insurance, so record the request here and read the answer off the umbrella policy separately.	Limit	Requested by the agreement: Umbrella or excess liability, and whether it must follow form	Confirmed by an insurer or broker: Umbrella or excess liability, and whether it must follow form	Open question: Umbrella or excess liability, and whether it must follow form	Your note about Umbrella or excess liability, and whether it must follow form
Professional liability, pollution, cyber, crime and EPLI as their own rowsFor each of these, record whether the form is written on a claims-made or occurrence basis, the retroactive date, the reporting requirement, any extended reporting period, and whether a tail is required for a stated number of years after project completion. Writing these lines on a claims-made basis, and requiring a tail after project completion, is common market practice rather than a legal or filed requirement, and no source in this cluster supports it; read each answer off the quote and the policy form. Enter each as its own row, because a single certificate line does not tell you any of those five things.	Limit	Requested by the agreement: Professional liability, pollution, cyber, crime and EPLI as their own rows	Confirmed by an insurer or broker: Professional liability, pollution, cyber, crime and EPLI as their own rows	Open question: Professional liability, pollution, cyber, crime and EPLI as their own rows	Your note about Professional liability, pollution, cyber, crime and EPLI as their own rows
Property, builders risk, or installation floaterRecord who is obligated to place it, the insurable value basis, the deductible, and the named insureds, mortgagees and loss payees the contract requires. Where a mortgaged building is involved, note that Regulation X bars a servicer from assessing a force-placed insurance charge without a reasonable basis to believe the borrower failed to maintain required hazard insurance, and requires a written notice at least 45 days before the charge plus a reminder notice at least 15 days before the charge that may not be sent until at least 30 days after the first notice [7].	Limit	Requested by the agreement: Property, builders risk, or installation floater	Confirmed by an insurer or broker: Property, builders risk, or installation floater	Open question: Property, builders risk, or installation floater	Your note about Property, builders risk, or installation floater
Flood, when the contract or a lender requires itFor a building in a special flood hazard area securing a loan from a regulated lending institution, federal law requires flood insurance for the term of the loan in an amount at least equal to the outstanding principal balance of the loan or the maximum limit of coverage made available under the Act for that type of property, whichever is less, and requires the lender to accept private flood insurance that meets the statutory standards [8]. Record the flood zone, the required amount with the cap applied, the loss payee, and whether premiums must be escrowed, noting that the escrow duty carries statutory exceptions [8].	Limit	Requested by the agreement: Flood, when the contract or a lender requires it	Confirmed by an insurer or broker: Flood, when the contract or a lender requires it	Open question: Flood, when the contract or a lender requires it	Your note about Flood, when the contract or a lender requires it

Endorsements requested

Endorsements requested. Tick what the agreement asks for, then what someone has actually confirmed.
Requirement	Type	Requested	Confirmed	Open question	Your note
Additional insured, ongoing and completed operations, by form number and edition dateRecord the exact endorsement form numbers and edition dates the contract names, and whether it asks for both ongoing and completed operations. For a California construction contract entered into on or after January 1, 2013, Civil Code Section 2782.05(b)(6) describes exactly that pairing, preserving a requirement that the promisor purchase or maintain insurance covering the promisor's acts or omissions, including additional insured endorsements covering ongoing and completed operations [2]; the section reaches no earlier contract and no contract that is not a construction contract. Whether a specific form is available on a specific policy is a carrier underwriting decision, and a certificate cannot create it.	Endorsement	Requested by the agreement: Additional insured, ongoing and completed operations, by form number and edition date	Confirmed by an insurer or broker: Additional insured, ongoing and completed operations, by form number and edition date	Open question: Additional insured, ongoing and completed operations, by form number and edition date	Your note about Additional insured, ongoing and completed operations, by form number and edition date
Primary and non-contributory statusRecord whether the contract asks for primary and non-contributory coverage, and whether it asks for that to be evidenced by endorsement or only by wording on the certificate. Only the policy and its endorsements can create that status. In California, Insurance Code Section 384 requires a certificate used in lieu of an actual copy of the policy to say it is not an insurance policy and does not amend, extend or alter the coverage afforded by the policies listed [3]. In Minnesota, Section 60A.39 bars an insurer or licensed producer from issuing a certificate that affirmatively or negatively amends, extends, or alters approved coverage without the commissioner's written approval [4]. Requirements differ by state, so check the rule in the state at issue.	Endorsement	Requested by the agreement: Primary and non-contributory status	Confirmed by an insurer or broker: Primary and non-contributory status	Open question: Primary and non-contributory status	Your note about Primary and non-contributory status
Waiver of subrogation, by lineRecord which lines the contract asks the waiver on, and record it separately for each, since general liability, automobile, workers compensation and property are handled under their own coverage parts. Adding a workers compensation waiver by a separate endorsement, at a charge the carrier sets, is common market practice rather than a legal or filed requirement, and no source in this cluster supports it; the rule differs by state and by rating bureau. Record the request here and read the answer off the issued endorsement.	Endorsement	Requested by the agreement: Waiver of subrogation, by line	Confirmed by an insurer or broker: Waiver of subrogation, by line	Open question: Waiver of subrogation, by line	Your note about Waiver of subrogation, by line
Notice of cancellation to the certificate holderIf the contract asks for advance written notice of cancellation to the certificate holder, record the number of days it asks for and who it names. Any such obligation runs from the policy and any notice endorsement, not from the certificate. In Minnesota, a certificate may not be issued in a way that amends, extends or alters approved coverage without the commissioner's written approval [4], and in California the certificate must state that it does not amend, extend or alter the coverage afforded [3]. Record the request, then record separately what the policy actually provides.	Endorsement	Requested by the agreement: Notice of cancellation to the certificate holder	Confirmed by an insurer or broker: Notice of cancellation to the certificate holder	Open question: Notice of cancellation to the certificate holder	Your note about Notice of cancellation to the certificate holder

Evidence requested

Evidence requested. Tick what the agreement asks for, then what someone has actually confirmed.
Requirement	Type	Requested	Confirmed	Open question	Your note
Certificate of insurance, with its limits copied onto the face of the mapCopy the limits from the certificate into the map, and mark them as evidence rather than as coverage. Under Minnesota law a certificate of insurance is a document that provides evidence of property or liability insurance coverage and the amount of insurance issued, and does not convey any contractual rights to the certificate holder [4]. Under California law a certificate used in lieu of an actual copy of the policy must state that it is not an insurance policy, that it does not amend, extend or alter the coverage afforded, and that the insurance is subject to all the terms, exclusions and conditions of the policies [3]. Requirements differ by state, so check the rule in the state at issue.	Evidence	Requested by the agreement: Certificate of insurance, with its limits copied onto the face of the map	Confirmed by an insurer or broker: Certificate of insurance, with its limits copied onto the face of the map	Open question: Certificate of insurance, with its limits copied onto the face of the map	Your note about Certificate of insurance, with its limits copied onto the face of the map
Do not request edited certificate wording as a substitute for coverageIf the contract wants terms the policy does not contain, the fix is an endorsement, not certificate language. Minnesota prohibits an insurer or licensed producer from issuing a certificate of insurance or other document that either affirmatively or negatively amends, extends, or alters the coverage provided by an approved policy, form, or endorsement without the written approval of the commissioner, and requires the certificate to carry a statement to that effect [4]. Requirements differ by state, so check the rule in the state at issue.	Evidence	Requested by the agreement: Do not request edited certificate wording as a substitute for coverage	Confirmed by an insurer or broker: Do not request edited certificate wording as a substitute for coverage	Open question: Do not request edited certificate wording as a substitute for coverage	Your note about Do not request edited certificate wording as a substitute for coverage
Copies of the actual endorsements and the declarations pageAsk for the additional insured, primary and non-contributory, and waiver of subrogation endorsements as issued, each with form number and edition date, plus the declarations page showing limits and named insureds. In the two states reviewed for this cluster, California and Minnesota, asking for the endorsements themselves is common market practice rather than a legal or filed requirement; no statute or filing found for either state obliges a counterparty to hand them over, so confirm the rule in the state at issue. It is also the only way to move a row from requested to documented, because in California the certificate itself must state that the insurance is subject to all the terms, exclusions and conditions of the policies [3].	Document	Requested by the agreement: Copies of the actual endorsements and the declarations page	Confirmed by an insurer or broker: Copies of the actual endorsements and the declarations page	Open question: Copies of the actual endorsements and the declarations page	Your note about Copies of the actual endorsements and the declarations page
Workers compensation certificate fields a California public body will checkCSLB requires the certificate to list CSLB as the certificate holder, the contractor's business name and license or application fee number, the policy number, the policy effective and expiration dates, and the signature of an authorized representative [6]. Use that list as a field-by-field checklist when you receive a certificate, and ask each other certificate holder in writing what it requires, since requirements differ by state and by holder.	Evidence	Requested by the agreement: Workers compensation certificate fields a California public body will check	Confirmed by an insurer or broker: Workers compensation certificate fields a California public body will check	Open question: Workers compensation certificate fields a California public body will check	Your note about Workers compensation certificate fields a California public body will check
Watch the 90-day window when a California contractor hires a first employeeCSLB states that when an exempt licensee hires an employee, proof of workers compensation coverage must be received at CSLB headquarters within 90 days of the hire, and that failure to do so results in license suspension [6]. If your counterparty tells you it just hired staff, put that 90-day date on the map as a dated open item.	Trigger	Requested by the agreement: Watch the 90-day window when a California contractor hires a first employee	Confirmed by an insurer or broker: Watch the 90-day window when a California contractor hires a first employee	Open question: Watch the 90-day window when a California contractor hires a first employee	Your note about Watch the 90-day window when a California contractor hires a first employee
Named insured must match the contracting legal entityCompare the legal entity name signing the contract to the named insured on the declarations, including DBAs, joint ventures, single-purpose entities and affiliated LLCs, and record any mismatch as an open item. In California a certificate does not amend, extend or alter the coverage afforded by the policies listed [3], and in Minnesota it conveys no contractual rights to the certificate holder [4]. Adding an entity is done on the policy, not on the certificate.	Evidence	Requested by the agreement: Named insured must match the contracting legal entity	Confirmed by an insurer or broker: Named insured must match the contracting legal entity	Open question: Named insured must match the contracting legal entity	Your note about Named insured must match the contracting legal entity
Date the flood evidence to the closing, not to the signingA new NFIP policy is generally effective 12:01 a.m. local time on the 30th calendar day after the application date and the presentment of payment of premium, but where the initial purchase is in connection with the making, increasing, extension, or renewal of a loan, coverage is effective at the time of loan closing if the written request is received by the NFIP and the policy is applied for and the premium presented at or prior to closing [9]. Record the closing date so the evidence carries the right effective date.	Evidence	Requested by the agreement: Date the flood evidence to the closing, not to the signing	Confirmed by an insurer or broker: Date the flood evidence to the closing, not to the signing	Open question: Date the flood evidence to the closing, not to the signing	Your note about Date the flood evidence to the closing, not to the signing

Separating requested from verified

Separating requested from verified. Tick what the agreement asks for, then what someone has actually confirmed.
Requirement	Type	Requested	Confirmed	Open question	Your note
Keep requested terms and documented terms in two columnsFor every row, hold what the contract asks for apart from what a policy document actually shows, with the document name and date next to each documented entry. Under Minnesota law a certificate provides evidence of coverage and the amount issued and conveys no contractual rights to the certificate holder [4], and under California law it does not amend, extend or alter what the policies afford [3]. A requested row is not a documented row until a policy document supports it.	Question	Requested by the agreement: Keep requested terms and documented terms in two columns	Confirmed by an insurer or broker: Keep requested terms and documented terms in two columns	Open question: Keep requested terms and documented terms in two columns	Your note about Keep requested terms and documented terms in two columns
What this tool does not doThis mapper organizes what a contract or transaction requests and what documents you have collected. It does not read a policy, confirm that any coverage is in force, confirm that a requirement is met, verify a filing, decide whether a loss would be covered, or tell you whether a risk is placeable, admitted, non-admitted, or eligible for any residual market program. It is not legal advice; whether a contract clause is enforceable is a legal question for a lawyer. Coverage is determined by the policy and its endorsements, and availability of any specific form or limit is a carrier underwriting decision.	Question	Requested by the agreement: What this tool does not do	Confirmed by an insurer or broker: What this tool does not do	Open question: What this tool does not do	Your note about What this tool does not do

Keep requested terms and documented terms in two columns

For every row, hold what the contract asks for apart from what a policy document actually shows, with the document name and date next to each documented entry. Under Minnesota law a certificate provides evidence of coverage and the amount issued and conveys no contractual rights to the certificate holder [4], and under California law it does not amend, extend or alter what the policies afford [3]. A requested row is not a documented row until a policy document supports it.

Requested by the agreementConfirmed by an insurer or brokerOpen question

Your note

What this tool does not do

This mapper organizes what a contract or transaction requests and what documents you have collected. It does not read a policy, confirm that any coverage is in force, confirm that a requirement is met, verify a filing, decide whether a loss would be covered, or tell you whether a risk is placeable, admitted, non-admitted, or eligible for any residual market program. It is not legal advice; whether a contract clause is enforceable is a legal question for a lawyer. Coverage is determined by the policy and its endorsements, and availability of any specific form or limit is a carrier underwriting decision.

Requested by the agreementConfirmed by an insurer or brokerOpen question

Your note

Where this stands

Counted from what you ticked above. Nothing here has been sent anywhere.
Measure	Count	What it means
Requested by the agreement	0	Terms the document asks for.
Confirmed in place	0	Someone with authority told you it is actually in force.
Requested but not confirmed	0	The list to work through. Not a failure, just the remaining work.
Open questions	0	Things to ask a broker, an insurer, or in some cases a lawyer.

Nothing ticked yet.

Work through the agreement clause by clause and tick what it actually asks for. The summary fills in as you go, and nothing is sent anywhere at any point.

Source ledger

9 sources. Every citation number above resolves to a record below. Nothing here sits behind an account.

[1]
California Civil Code Section 2782 (indemnity provisions in construction contracts)(opens the original record on California Legislative Information, Office of Legislative Counsel)
California Legislative Information, Office of Legislative CounselPrimary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: Amended by legislation; re-check leginfo for the current version before each publication cycle.ID ca-civ-code-2782
What this source supports (9)
Section 2782(a) provides that, except as provided in Sections 2782.1, 2782.2, 2782.5, and 2782.6, provisions, clauses, covenants, or agreements contained in, collateral to, or affecting any construction contract that purport to indemnify the promisee against liability for damages for death or bodily injury to persons, injury to property, or any other loss, damage or expense arising from the sole negligence or willful misconduct of the promisee or the promisee's agents, servants, or independent contractors who are directly responsible to the promisee, or for defects in design furnished by those persons, are against public policy and are void and unenforceable.
Subdivision (a) closes with a proviso that the section shall not affect the validity of any insurance contract, workers' compensation, or agreement issued by an admitted insurer as defined by the Insurance Code.
Section 2782(b)(1) provides that, except as provided in Sections 2782.1, 2782.2, and 2782.5, provisions, clauses, covenants, or agreements contained in, collateral to, or affecting any construction contract with a public agency entered into before January 1, 2013, that purport to impose on the contractor, or relieve the public agency from, liability for the active negligence of the public agency are void and unenforceable.
Section 2782(b)(2) states the same rule for any construction contract with a public agency entered into on or after January 1, 2013, and reaches provisions that purport to impose that liability on any contractor, subcontractor, or supplier of goods or services, or to relieve the public agency from it.
Section 2782(c)(1) provides that, except as provided in subdivision (d) and Sections 2782.1, 2782.2, and 2782.5, provisions, clauses, covenants, or agreements contained in, collateral to, or affecting any construction contract entered into on or after January 1, 2013, with the owner of privately owned real property to be improved and as to which the owner is not acting as a contractor or supplier of materials or equipment to the work, that purport to impose on any contractor, subcontractor, or supplier of goods or services, or relieve the owner from, liability are unenforceable to the extent of the active negligence of the owner, including that of its employees.
Section 2782(c)(2) provides that for purposes of that subdivision an owner of privately owned real property to be improved includes the owner of any interest therein, other than a mortgage or other interest that is held solely as security for performance of an obligation.
Section 2782(c)(3) provides that the subdivision shall not apply to a homeowner performing a home improvement project on his or her own single family dwelling.
The section continues through subdivisions (d) to (i), which address indemnity for residential construction defect claims subject to Title 7, the defense and reimbursement procedure between subcontractors and builders or general contractors, remedies for nonperformance, preservation of equitable indemnity rights, claims against material suppliers and design professionals, and the definition of construction defect. Nothing in this cluster is drawn from those subdivisions.
The page carries the note 'Amended by Stats. 2011, Ch. 707, Sec. 2. (SB 474) Effective January 1, 2012.'
Effective: 2012-01-01
Active
[2]
California Civil Code Section 2782.05 (subcontractor indemnity and defense of a general contractor)(opens the original record on California Legislative Information, Office of Legislative Counsel)
California Legislative Information, Office of Legislative CounselPrimary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: Amended by legislation; re-check leginfo before each publication cycle.ID ca-civ-code-2782-05
What this source supports (8)
Section 2782.05(a) reaches provisions, clauses, covenants, and agreements contained in, collateral to, or affecting any construction contract and amendments thereto entered into on or after January 1, 2013. By its own words the section does not reach a construction contract entered into before that date, and it does not reach contracts that are not construction contracts.
Within that scope, and except as provided in subdivision (b), Section 2782.05(a) makes void and unenforceable provisions that purport to insure or indemnify, including the cost to defend, a general contractor, construction manager, or other subcontractor, by a subcontractor, against liability for claims of death or bodily injury to persons, injury to property, or any other loss, damage, or expense, to the extent the claims arise out of, pertain to, or relate to the active negligence or willful misconduct of that general contractor, construction manager, or other subcontractor.
Subdivision (b) contains thirteen numbered paragraphs listing categories the section does not affect. The ones verified word for word on the page and relied on in this cluster are (b)(1) contracts for residential construction subject to any part of Title 7, (b)(2) direct contracts with a public agency governed by Section 2782(b), (b)(3) direct contracts with the owner of privately owned real property governed by Section 2782(c), (b)(4) any wrap-up insurance policy or program, (b)(5) a cause of action for breach of contract or warranty that exists independently of an indemnity obligation, (b)(7) indemnity provisions contained in loan and financing documents, (b)(8) general agreements of indemnity required by sureties as a condition of execution of bonds, (b)(9) the benefits and protections provided by the workers' compensation laws, (b)(10) the benefits or protections provided by the governmental immunity laws, and (b)(12) contracts with design professionals.
Subdivision (b) also contains (b)(11), which opens 'Provisions that require the purchase of any of the following:' and then lists specified insurance beginning with owners and contractors protective coverage, and (b)(13), which opens 'Any agreement between a promisor and an admitted surety insurer regarding the promisor's obligations'. Neither was captured in full on the fetched page, so neither is recited in this cluster and the list above should be read as partial.
Subdivision (b)(6) preserves a provision in such a construction contract that requires the promisor to purchase or maintain insurance covering the acts or omissions of the promisor, including additional insured endorsements covering the acts or omissions of the promisor during ongoing and completed operations.
Subdivision (c) opens 'Notwithstanding any choice-of-law rules that would apply the laws of another jurisdiction, the law of' and applies California law to a contract within the section's scope.
Subdivision (d) provides that any waiver of the provisions of the section is contrary to public policy and is void and unenforceable.
The page carries the note 'Added by Stats. 2011, Ch. 707, Sec. 3. (SB 474) Effective January 1, 2012.'
Effective: 2012-01-01
Active
[3]
California Insurance Code Section 384 (required statements on a certificate or verification of insurance)(opens the original record on California Legislative Information, Office of Legislative Counsel)
California Legislative Information, Office of Legislative CounselPrimary lawPrimaryJurisdiction CALast checked August 31, 2026Updates: Amended by legislation; re-check leginfo before each publication cycle.ID ca-ins-code-384-2
What this source supports (3)
California Insurance Code Section 384 requires a certificate or verification of insurance provided as evidence of insurance in lieu of an actual copy of the policy to contain a statement to the effect that it is not an insurance policy and does not amend, extend or alter the coverage afforded by the policies listed herein.
Section 384 requires the certificate to state that, notwithstanding any requirement, term, or condition of any contract or other document with respect to which the certificate may be issued or may pertain, the insurance afforded by the policies described is subject to all the terms, exclusions and conditions of the policies.
Section 384(b) states that the section does not apply to a surplus line broker certificate as defined in Insurance Code Section 48.
Effective: 2001-01-01
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[4]
Minnesota Statutes Section 60A.39 (Certificates of Insurance)(opens the original record on Minnesota Office of the Revisor of Statutes)
Minnesota Office of the Revisor of StatutesPrimary lawPrimaryJurisdiction MNLast checked August 31, 2026Updates: Amended by legislation; re-check the revisor page before each publication cycle.ID mn-stat-60a-39
What this source supports (3)
Minnesota Statutes Section 60A.39, subdivision 1, provides that a certificate of insurance is a document that provides evidence of property or liability insurance coverage and the amount of insurance issued, and does not convey any contractual rights to the certificate holder.
Subdivision 2 bars an insurer or licensed producer from issuing a certificate of insurance or other document that affirmatively or negatively amends, extends, or alters the coverage provided by an approved policy, form, or endorsement without the written approval of the commissioner.
Subdivision 3 requires a certificate or memorandum of insurance issued to a party other than the policyholder to contain the statement that the certificate or memorandum of insurance does not affirmatively or negatively amend, extend, or alter the coverage afforded by the insurance policy.
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[5]
Certificates of insurance (contractor licensing guidance)(opens the original record on Minnesota Department of Labor and Industry)
Minnesota Department of Labor and IndustryRegulatorPrimaryJurisdiction MNLast checked August 31, 2026Updates: Agency web page; re-check annually.ID mn-dli-certificates-of-insurance
What this source supports (3)
The Minnesota Department of Labor and Industry states that the ACORD 25 certificate of liability insurance form, or a similar form filed with the Minnesota Department of Commerce, can be used to provide evidence of general liability insurance coverage.
The department states that the form can also be used to report workers' compensation insurance coverage.
The department requires a certificate to be submitted with an application form, a renewal form, or when updating general liability insurance coverage.
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[6]
Workers' Compensation Requirements(opens the original record on California Contractors State License Board)
California Contractors State License BoardRegulatorPrimaryJurisdiction CALast checked August 31, 2026Updates: Agency web page; re-check at least annually and around CSLB rule changes.ID cslb-workers-comp-requirements
What this source supports (5)
CSLB requires licensees with an active license, licensees reactivating an inactive license, and applicants for an active contractor license to provide a valid Certificate of Workers' Compensation Insurance or a valid Certification of Self-Insurance from the Department of Industrial Relations, or to file a signed exemption certifying they have no employees.
CSLB states that all active C-8 Concrete, C-20 Warm-Air Heating, Ventilating and Air-Conditioning, C-22 Asbestos Abatement, C-39 Roofing, and C-61/D-49 Tree Service contractors are required to carry workers compensation insurance or hold a valid Certification of Self-Insurance whether or not they have employees.
CSLB requires the workers compensation certificate to list CSLB as the certificate holder, the contractor's business name and license or application fee number, the policy number, the policy effective and expiration dates, and the signature of an authorized representative.
CSLB states an exemption cannot be filed by a licensee who employs anyone subject to California workers compensation law, who has a Responsible Managing Employee, or who holds one of the classifications requiring mandatory coverage.
CSLB states that when an exempt licensee hires an employee, proof of workers compensation coverage must be received at CSLB headquarters within 90 days of the hire, and that failure to do so results in license suspension.
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[7]
Regulation X, 12 CFR 1024.37 - Force-placed insurance(opens the original record on Consumer Financial Protection Bureau)
Consumer Financial Protection BureauRegulatorPrimaryJurisdiction USLast checked August 31, 2026Updates: Amended by CFPB rulemaking; check the CFPB regulations page and official interpretations.ID cfpb-1024-37
What this source supports (12)
Force-placed insurance means hazard insurance obtained by a servicer on behalf of the owner or assignee of a mortgage loan that insures the property securing such loan.
The definition excludes hazard insurance required by the Flood Disaster Protection Act of 1973, hazard insurance obtained by a borrower but renewed by the servicer as described in 12 CFR 1024.17(k)(1), (2), or (5), and hazard insurance obtained by a borrower but renewed by the servicer at its discretion if the borrower agrees.
A servicer may not assess a premium charge or fee related to force-placed insurance unless it has a reasonable basis to believe that the borrower has failed to comply with the mortgage loan contract's requirement to maintain hazard insurance.
A servicer must deliver or place in the mail a written notice at least 45 days before assessing a force-placed insurance charge.
The reminder notice must be delivered or mailed at least 30 days after the initial written notice and at least 15 days before the force-placed insurance charge is assessed.
Except for charges subject to State regulation as the business of insurance and charges authorized by the Flood Disaster Protection Act of 1973, all charges related to force-placed insurance assessed to a borrower by or through the servicer must be bona fide and reasonable.
Before assessing a charge or fee for renewing or replacing existing force-placed insurance, a servicer must deliver or mail a written notice at least 45 days before assessing that charge or fee.
Regulation X defines force-placed insurance as hazard insurance obtained by a servicer on behalf of the owner or assignee of a mortgage loan that insures the property securing the loan.
A servicer may not assess a force-placed insurance premium charge or fee on a borrower unless it has a reasonable basis to believe the borrower has failed to comply with the mortgage loan contract's requirement to maintain hazard insurance.
A servicer must deliver to the borrower or place in the mail a written notice at least 45 days before assessing a force-placed insurance charge or fee.
A servicer must deliver a reminder notice at least 15 days before assessing the charge or fee, and may not deliver it until at least 30 days after delivering or mailing the first written notice.
Within 15 days of receiving evidence that the borrower has had in place the required hazard insurance coverage, the servicer must cancel the force-placed insurance it purchased and refund all force-placed insurance premium charges and related fees paid by the borrower for any period of overlapping coverage.
Fetched on 2026-08-31 and confirmed the definition and its three exclusions, the reasonable-basis condition, the 45-day initial notice, both legs of the reminder-notice timing, the 45-day renewal or replacement notice, and the limitation on charges. The definitional exclusion is phrased on the page as hazard insurance required by the Flood Disaster Protection Act of 1973. The limitation on charges carries its own two carve-outs, for charges subject to State regulation as the business of insurance and for charges authorized by the Flood Disaster Protection Act of 1973; a prior draft stated the bona fide and reasonable rule without them.
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42 U.S.C. 4012a - Flood insurance purchase and compliance requirements and escrow accounts(opens the original record on Office of the Law Revision Counsel, U.S. House of Representatives)
Office of the Law Revision Counsel, U.S. House of RepresentativesPrimary lawPrimaryJurisdiction USLast checked August 31, 2026Updates: Amended by Congress; re-check the prelim edition on uscode.house.gov before each publication cycle.ID usc-42-4012a-2
What this source supports (5)
42 U.S.C. 4012a(b)(1)(A) bars a regulated lending institution from making, increasing, extending, or renewing a loan secured by improved real estate or a mobile home located in a special flood hazard area in which flood insurance has been made available, unless the building or mobile home and any personal property securing the loan is covered for the term of the loan by flood insurance in an amount at least equal to the outstanding principal balance of the loan or the maximum limit of coverage made available under the Act with respect to the particular type of property, whichever is less.
42 U.S.C. 4012a(b)(1)(B) requires such institutions to accept private flood insurance as satisfaction of the flood insurance coverage requirement if the coverage it provides meets the requirements for coverage under subparagraph (A).
42 U.S.C. 4012a(a) conditions federal financial assistance for acquisition or construction purposes in a special flood hazard area on flood insurance in an amount at least equal to the development or project cost, less estimated land cost, or to the maximum limit of coverage made available with respect to the particular type of property, whichever is less, and states that coverage continues during the life of the property regardless of transfer of ownership.
42 U.S.C. 4012a(d) requires flood insurance premiums and fees for residential improved real estate or a mobile home to be paid to the regulated lending institution or servicer and deposited in an escrow account on behalf of the borrower, subject to exceptions in subsection (d) that include a lending institution with total assets of less than $1,000,000,000 that was not required to escrow taxes and insurance before July 6, 2012, a loan junior or subordinate to a senior lien on which flood insurance is being maintained, a condominium or cooperative unit covered by a master flood policy paid through common expenses, a loan for a business purpose, a home equity line of credit, a nonperforming loan, and a loan with a term not exceeding 12 months.
Under 42 U.S.C. 4012a(e), if the borrower fails to purchase required flood insurance within 45 days after notification, the lender or servicer shall purchase the insurance on behalf of the borrower and may charge the borrower for the cost.
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44 CFR 61.11 - Effective date and time of coverage under the Standard Flood Insurance Policy - New Business Applications and Endorsements(opens the original record on U.S. Government Publishing Office, Code of Federal Regulations)
U.S. Government Publishing Office, Code of Federal RegulationsRegulatorPrimaryJurisdiction USLast checked August 31, 2026Updates: Amended by FEMA rulemaking; the govinfo annual CFR edition lags, so confirm against the current eCFR text when it is reachable.ID cfr-44-61-11
What this source supports (4)
Under 44 CFR 61.11, the effective date and time of any new NFIP policy, added coverage, or increase in the amount of coverage is generally 12:01 a.m. local time on the 30th calendar day after the application date and the presentment of payment of premium.
Where the initial purchase of flood insurance is in connection with the making, increasing, extension, or renewal of a loan, coverage on the property that is the subject of the loan is effective as of the time of the loan closing, provided the written request for the coverage is received by the NFIP and the policy is applied for and the premium presented at or prior to the loan closing.
During the 13-month period beginning on the effective date of a revised Flood Hazard Boundary Map or Flood Insurance Rate Map for a community, the effective date and time of any initial flood insurance coverage is 12:01 a.m. local time on the first calendar day after the application date and the presentment of payment of premium.
The section also provides an effective date of 12:01 a.m. local time on the first calendar day after the application date and the presentment of payment of premium where the property is affected by flooding on Federal land that is a result of, or is exacerbated by, post-wildfire conditions, and the coverage was purchased not later than 60 calendar days after the fire containment date.
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