Wellkept Insurance issues certificates with additional insured endorsements the day a contract asks for them. Here’s what the requirement actually means before you sign.
What “additional insured” means
An additional insured endorsement extends your general liability policy to cover another party — usually the building owner and the management company — for claims that arise out of your work. If a visitor slips on a floor your crew mopped and sues the building, your policy responds for the building too, instead of the building’s insurer coming after you.
It does not give the client control of your policy, and it does not cover the client’s own negligence unrelated to your work.
Why property managers require it
Property managers push liability for vendor work onto the vendors. It’s standard practice, not a red flag: every janitorial, security, and maintenance contractor in the building carries the same endorsement. The contract usually pairs it with a waiver of subrogation, which stops your insurer from suing the client to recover a paid claim.
What it costs to add
Many policies written for cleaning companies include a blanket additional insured endorsement, which covers any client your contract requires at no extra charge per certificate. Without one, a scheduled endorsement naming a single client typically costs $25–$75 per addition. If you’re signing building contracts regularly, the blanket endorsement pays for itself immediately — ask for it at quote time.
How to get a compliant COI
The contract will specify exact wording — entity names, addresses, sometimes “primary and non-contributory” language. Send that page with your request. With Wellkept Instant COI, the certificate with the correct holder and endorsement wording is issued the same day, usually in minutes. The certificate of insurance guide covers the rest of the requirements you’ll see.