Describe the operating footprint
List legal entities, locations, services, employee duties and subcontracted activities. Distinguish surface and underground work, public-road driving and any drilling, blasting, environmental or professional services. Include planned changes rather than limiting the discussion to last year’s operations.
Collect the supporting documents
Bring complete current policies and endorsements, project contracts, equipment and vehicle schedules, payroll and revenue estimates, and currently valued loss runs. Identify rented equipment, customer property and lender interests. Note missing documents and assumptions so they can be resolved explicitly.
Set the review priorities
Discuss required limits, exclusions, additional insured requirements, valuation, reporting conditions and continuity of coverage. Assign responsibility for obtaining missing information and evaluating contract issues. A useful outcome is a documented set of decisions and open questions, not merely a certificate or a premium comparison.
Illustrative review scenario
A contractor has current declarations but cannot locate several endorsements referenced in the forms schedule. The review should identify those missing documents and obtain them before reaching conclusions about exclusions or insured status. A checklist is useful only if it distinguishes documents actually reviewed from items expected or assumed to exist. Which unanswered questions could prevent a sound coverage decision? Assign an owner and deadline to each missing contract, endorsement or exposure detail, then confirm the final review reflects the information actually obtained.