CORE Insurance Specifics
The types of Insurance required by CORE depend on the programs you've selected to perform. All insurance requirements specific to your organization are highlighted on your Sublynk insurance profile.
As a reminder, all official COIs must be sent to Sublynk directly by the insurance providers themselves. If you have a broker or insurance agent that you generally communicate with, please add their email in your Broker Assignments. Entering the generic email addresses for major providers may result in delayed processing.
Coverages Must Include:
- Commercial General Liability: $2,000,000 Aggregate & $1,000,000 Each Occurrence
- Coverage must include:
- Personal & Advertising Injury at $1,000,000
- Products & Completed Operations Liability at $2,000,000
- Primary and non-contributory coverage
- Endorsements that must be attached to the COI
- Ongoing and completed operations coverage for additional insured
- Additional Insured: CG2010 (or equivalent)
- Additional Insured - Completed Operations: CG2037 (or equivalent)
- Waiver of Subrogation: CG2404 (or equivalent)
- Ongoing and completed operations coverage for additional insured
- No specific exclusions or restrictions for:
- Claims for additions or remodeling projects
- Residential or habitation
- Work performed by subcontractors
- Coverage must include:
- Contractor Pollution Liability: $1,000,000 Each Occurrence
- Endorsements that must be attached to the COI
- Additional Insured
- Waiver of Subrogation
- Endorsements that must be attached to the COI
- Workers Compensation & Employers Liability: $500,000 Employers' Liability
- Waived if the contractor has no w-2 employees or is legally exempt. Attestation required
- Workers Compensation is required per State statutory minimum limits
- Stop Gap as required in Monopolistic states (ND, OH, WA, and WY)
- Endorsement that must be attached to the COI
- Waiver of Subrogation
- Auto Liability: $1,000,000 Combined Single Limit
- Coverage by endorsement for all vehicles owned, leased, rented, hired, or borrowed
- Endorsement that must be attached to the COI
- Waiver of Subrogation
- Endorsement that must be attached to the COI
- If you have no company owned autos, your alternative options are:
- Add a HNOA Endorsement to your General Liability Policy or as part of Business Owner’s Policy (BOP) from your General Liability Insurance Agent.
- Get “HIRED AUTOS” and “NON-OWNED AUTOS” Coverage from an Auto Insurance Agent
- Purchase Unlimited Non-Owned Car Coverage (UNOC) from an Auto Insurance Agent
- Coverage by endorsement for all vehicles owned, leased, rented, hired, or borrowed
- Umbrella/Excess Liability: $1,000,000 Aggregate & $1,000,000 Each Occurrence
- Required for Commercial work
- Endorsements that must be attached to the COI
- Additional Insured
- Waiver of Subrogation
- Professional Liability: $1,000,000
- Only required for Testing/Engineering/Consulting work
- Bailees: $250,000
- Only required for pack-out contents work
All COIs should have the following:
Certificate Holder:
CORE Group Restorations, Inc.
PO Box 151558
Austin, Texas 78715
Description of Operations:
Certholder is an additional insured for General Liability and Pollution Liability per endorsements CG 2010 07 04 and CG 2037 07 04 (or their equivalents) on a primary / non-contributory basis. Waiver of subrogation in favor of CORE Solutions, Inc. for General Liability, Contractors Pollution Liability, Workers Compensation & Employers Liability, Umbrella/Excess Liability, and Automotive Liability. Work performed by subcontractors is not excluded.