MN general contractors are demanding more on COIs than they used to. Here are the four endorsements every subcontractor needs in 2026 — Additional Insured, Waiver of Subrogation, Primary and Non-Contributory, and Per-Project Aggregate — plus what each one does and why GCs require them.

Every contractor needs a Certificate of Insurance (COI) ready before any project begins. Learn how staying organized — and using tools like HoneyBook — helps you win more bids, stay compliant, and simplify insurance audits.