$1M / $2M
Commercial General Liability
Occurrence form, ISO CG 00 01 or equivalent. $1,000,000 each occurrence, $2,000,000 general aggregate, and $2,000,000 products/completed operations.
Prosper Shield / Installer compliance
Installer insurancerequirements
The insurance, certificate-holder, and endorsement standard for solar, service, electrical, battery, and home-improvement work connected to a PROSPER project.
4 required coverages3 certificate holdersOngoing + completed operations
Before work proceeds
Every contractor and installing dealer must meet these requirements for their own crews and every lower-tier subcontractor used for the work.
01 / Coverage
Required insurance
Coverage must remain active for contracted work and the completed-operations period.Statutory + $1M
Workers' Compensation
Statutory limits when required, plus $1,000,000 each accident, disease-each employee, and disease-policy limit for Employer's Liability.
$1M CSL
Commercial Auto
Any Auto, or all Owned + Hired + Non-Owned Autos. Non-owned auto coverage remains required when there are no company vehicles.
$1M
Excess / Umbrella
Following form to General Liability, including required additional-insured and primary wording where applicable.
Submit carrier- or agent-issued ACORD certificate(s), actual additional-insured endorsements, completed-operations evidence, workers' compensation, auto, umbrella/excess evidence, and current state licenses.
02 / Certificate holders
Use this exact order
Issue separate certificates when requested. If a combined certificate is accepted, preserve this order.PROSPER (Inside Marketing Inc.)
Must be listed first on a combined certificate.
Seamless Home LLC
1441 W. Ute Blvd., Ste. 270, Park City, UT 84098
GoodLeap
8781 Sierra College Blvd., Roseville, CA 95661
03 / Endorsements
The COI is not enough by itself
Policy endorsements must substantiate the certificate wording.Ongoing and completed operations
PROSPER (Inside Marketing Inc.) must be listed first, followed by Seamless Home LLC and GoodLeap where applicable, as additional insureds for ongoing and completed operations.
Submit ISO forms CG 20 10 and CG 20 37, or equivalent endorsements that substantively provide both coverages.
Workers' compensation exceptions require written review
Do not self-determine an exception based on a 1099 label, sole-proprietor status, another company's policy, or a state name. Coverage under another entity is not accepted unless PROSPER Compliance and the issuing insurer or agent approve the exact arrangement in writing before work begins.
04 / Visual example
What the COI should say
Give this example to your insurance agent. Yellow fields are the lines PROSPER Compliance will verify.Sample certificate
Example - not validCertificate of liability insurance
The actual ACORD certificate and policy endorsements must be issued by the carrier or authorized agent.
1
CGL / AI box
Occurrence | Additional Insured = X | Each occurrence $1,000,000 | General aggregate $2,000,000 | Products/completed operations $2,000,000
2
Auto liability
Any Auto, or Owned + Hired + Non-Owned Autos | Combined single limit $1,000,000
3
Umbrella / excess
Occurrence / following form | Each occurrence and aggregate $1,000,000
4
Workers' comp
Statutory limits | E.L. each accident $1,000,000 | Disease-each employee $1,000,000 | Disease-policy limit $1,000,000
5
Description of operations
PROSPER (Inside Marketing Inc.), Seamless Home LLC, and GoodLeap are included as additional insureds for ongoing and completed operations where applicable and required by written contract. The policy includes ISO CG 20 10 and CG 20 37, or equivalent endorsements. Coverage is primary and noncontributory where required.
6
Certificate holder
- PROSPER (Inside Marketing Inc.)
- Seamless Home LLC - 1441 W. Ute Blvd., Ste. 270, Park City, UT 84098
- GoodLeap - 8781 Sierra College Blvd., Roseville, CA 95661
7
Attachments
Attach CG 20 10 and CG 20 37, or equivalent endorsements, plus completed-operations evidence. A COI statement by itself is not the endorsement.
Ready for compliance review?