Free working documents
Templates that turn insurance reading into a repeatable process.
Downloadable worksheets for the administrative work that happens before and after buying a policy: reviewing contracts, requesting COIs, comparing quotes, tracking subcontractors, documenting incidents, and preparing for renewal.
Client Contract Insurance Requirements Checklist
Turn a dense insurance clause into a line-by-line go / verify / negotiate checklist before signing the job.
COI Request Email Template
A copy-and-send request that gives your agent the legal entity, project, limits, dates, and endorsement wording needed to prepare accurate evidence.
Business Insurance Quote Comparison Worksheet
Compare premiums only after aligning limits, deductibles, covered operations, exclusions, defense costs, endorsements, and claims-made dates.
Annual Business Insurance Renewal Review
A renewal worksheet for services, revenue, workers, vehicles, equipment, locations, contracts, claims, cyber controls, and policy dates.
Subcontractor COI & Insurance Tracker
Track subcontractor policy dates, limits, additional-insured evidence, workers’ compensation, auto, and follow-up dates in one sheet.
Incident & Potential Claim Documentation Checklist
Capture facts, photos, witnesses, communications, mitigation, receipts, and insurer reporting without rewriting the story after the event.
Business Equipment Inventory Worksheet
Track serial numbers, ownership, replacement cost, location, portability, photos, receipts, and whether each item is scheduled on an equipment policy.
Cyber Insurance Readiness Checklist for Small Businesses
A pre-quote inventory for MFA, backups, sensitive data, vendors, access control, incident response, email security, and contract requirements.
COI Compliance Review Form
A fillable PDF for comparing client requirements with policy dates, limits, additional-insured evidence, and endorsements before a job starts.
Business Insurance Renewal Meeting Prep
A fillable pre-renewal PDF for changes in operations, workers, locations, equipment, cyber controls, contracts, claims, and audit issues.
Incident First Report Form
A fillable PDF to record facts, evidence, witnesses, mitigation, communications, and insurer notice after an event that could become a claim.
Subcontractor Insurance Review Form
A fillable PDF for one subcontractor and policy period, combining scope, insurance evidence, risk-transfer checks, classification questions, and renewal follow-up.
Business Property Loss Inventory Form
A fillable PDF for documenting damaged or missing business property, valuation evidence, photos, replacement estimates, and claim follow-up.
Cyber Incident Evidence Log
A fillable PDF timeline for preserving logs, original emails, vendor notices, banking evidence, outage details, response actions, and insurer notice.
Commercial Property Coinsurance Review Worksheet
A calculation-ready worksheet for comparing current insured values, policy limits, valuation basis, and coinsurance percentage before a partial loss exposes an underinsurance penalty.
Business Income Loss Documentation Worksheet
A month-by-month evidence worksheet for pre-loss revenue, expected revenue, actual revenue, continuing expenses, saved expenses, extra expense, and restoration milestones.
Civil Authority Closure & Access Restriction Log
A dated log for government orders, access restrictions, nearby damage, operating impact, communications, and financial evidence when a civil-authority provision may need review.
Protective Safeguards Compliance Checklist
A fillable review form for scheduled sprinklers, fire alarms, security systems, service contracts, impairment procedures, and insurer-notice requirements.
Commercial Property Vacancy Change Checklist
A fillable form for documenting when occupancy changes, which spaces are empty, remaining operations, utilities and safeguards, renovation status, and insurer notification.
Spoilage Loss Inventory & Temperature Event Log
An item-level loss sheet for perishable stock, temperature readings, outage/equipment-failure timeline, purchase evidence, salvage, and disposal authorization.
Installation Materials Transit, Storage & Jobsite Tracker
A contractor worksheet for materials from purchase through transit, temporary storage, delivery, installation, testing, and project sign-off.
Customer Property Custody & Condition Log
A chain-of-custody style worksheet for customer goods accepted for repair, cleaning, storage, alteration, servicing, or other work.
First-Employee EPLI & Employment Practices Readiness Checklist
A fillable pre-hire and renewal checklist connecting hiring practices, written policies, complaint handling, recordkeeping, training, and EPLI quote questions.
EPLI Quote Comparison Worksheet
A proposal-comparison sheet focused on claims-made dates, defense treatment, retentions, wage-and-hour wording, third-party claims, exclusions, sublimits, consent, and reporting.
PEO Workers' Compensation Verification Checklist
A fillable checklist for identifying the policy structure, named insureds, covered workers, state treatment, certificate process, claims reporting, audit data, and exit transition in a PEO arrangement.
Multi-State Workers' Compensation & Employers Liability Matrix
A state-by-state worksheet for where employees work, state-fund/market structure, policy listing, other-states treatment, employers-liability/stop-gap review, and responsible contacts.
How to use these
Documentation helps. It does not replace the policy.
These templates are designed to help you ask better questions and preserve evidence. They do not create insurance coverage, change a contract, determine worker status, or establish a legal requirement. Verify those issues with the actual policy, insurer, regulator, and appropriate professional.