Browse all guides.
Start with a practical question
What is an insurance clause?
An insurance clause is a promise about insurance. Read the promise, the evidence and the policy as three separate things.
Read the briefing Both sidesInsurance, indemnity and liability caps
Read the three provisions together, but answer a different question for each: who owes, how much may be owed and what insurance might respond.
Read the briefing Respond to a requirementDisclose insurance with a clear purpose
Provide accurate information that answers the legitimate request. Check authority and existing duties before deciding what to share.
Read the briefing Both sidesWhen the contract says nothing about insurance
Silence is a starting fact, not a conclusion that insurance is unnecessary or that every agreement needs another clause.
Read the briefing Set a requirementThe supplier cannot meet the insurance limit
A shortfall needs a business decision, not just a red status. Compare the risk, available insurance and realistic alternatives.
Read the briefing Set a requirementWill there be resources when a claim arrives?
A promise to pay and the ability to pay are different. Review responsibility, insurance and financial resilience as separate parts of recovery.
Read the briefingStart with a checklist
A practical insurance clause checklist
Five checks that connect the requirement to the work and the next decision.
Read the guide Supplied evidenceWhat a certificate does and does not show
Keep entity, policy, limit and period together; ask for relevant missing evidence.
Read the guide Related clausesInsurance limits and liability caps
Read insurance, indemnity and liability provisions together.
Read the guideUnderstand an insurance requirement
Additional insured status versus a certificate of insurance
Understand why a certificate can evidence insurance but does not by itself create additional insured coverage.
Read the guide Clause mechanicsPrimary and noncontributory wording: what it changes
See how order of insurance response wording affects which insurance is expected to respond first.
Read the guide Clause mechanicsWaiver of subrogation requirements by coverage line
Separate the commercial request from the policy endorsement and confirm where a waiver is appropriate.
Read the guide Coverage and limitsCyber insurance requirements in SaaS agreements
Connect cyber requirements to the data, system reliance and contractual allocation actually involved.
Read the guide Coverage and limitsTechnology errors and omissions (E&O) versus cyber insurance
Understand the different loss pathways behind technology service failure and data or security events.
Read the guide Coverage and limitsClaims Made Coverage After Work Ends
Understand why retroactive dates, continuous coverage and reporting periods matter after the work ends.
Read the guide Global and jurisdictionWorkers compensation and employers liability across borders
Separate local compulsory systems, private policies and employers liability requirements.
Read the guideFollow an agreement question
Insurance requirements in contracts
Interactive buyer and supplier decision path: separate obligations, evidence requests and open questions.
Read the guide NEGOTIATIONNegotiating insurance requirements
Commercial response, evidence and fallback positions: identify what to accept, clarify, change or escalate.
Read the guide POLICY MECHANICSAdditional insured, primary and waiver
Separate status, priority and recovery rights.
Read the guide EVIDENCECertificate of insurance requirements
Use evidence as a checkpoint, not a coverage source; keep contract requirements separate from evidence.
Read the guide TECHNOLOGYCyber and errors and omissions (E&O) technology requirements
Map data, service and physical failure pathways.
Read the guide CONTRACTORSContractor and subcontractor insurance
Subcontractor obligations, operational exposure and proportionate evidence.
Read the guide LEASESLease and landlord insurance
Premises, property, additional interests and which party must act.
Read the guide EVENTSEvents and sponsorship insurance
Venue, participant, vendor and activity exposures.
Read the guide PROFESSIONAL SERVICESProfessional services and E&O
Advice, deliverables, financial loss and policy mechanics for claims made coverage.
Read the guide LIMITSChoosing proportionate insurance limits
Fit the limit to severity, scale, duration, aggregation, dependency, contract value and the available facts.
Read the guide AGREEMENT ALIGNMENTIndemnity and insurance alignment
Compare contractual obligations with relevant coverage pathways.
Read the guide WORKER INJURYWorkers’ compensation and employers liability
Separate statutory status, private placement and contract evidence.
Read the guideTry a broader word or clear the filter.
Fictional examples explain a method. They do not confirm coverage or approve an agreement.