Key takeaway
An expired COI is an operational outage. Track renewals like you track schedules.
Read the limits before you bid
Facility programs commonly require general liability, auto liability and workers' compensation at stated limits, sometimes with umbrella coverage. If your current policy is below the requirement, get the quote before you price the bid — the premium difference belongs in your number.
Additional insured is not optional
Most scopes require the prime and, in government work, the client to be named as additional insured. Ask your broker for the endorsement form, not just the certificate. Certificates without the endorsement are routinely rejected.
Build an expiration calendar
Licenses, certifications and policies all expire on different dates. One shared calendar with 60-day and 30-day alerts keeps every crew eligible. Subcontractors in the Commercial Blue. network get automated expiration notices tied to their profile.