Introduction

Many clients set specific insurance requirements that your certificate of insurance (COI) must meet in order to work with them. The Insurance tab in Highwire shows you these requirements for each client, along with the details of your current policy, so you can quickly see whether your coverage is up to date and compliant.

Please note: this article covers how to read and understand your Insurance tab. For step-by-step instructions on uploading a certificate of insurance, see the How to Upload an Insurance Certificate article.

Accessing the Insurance Tab

1. Log in to your Highwire account.
2. Click Insurance on the left side of your profile.
3. Select a client from the list to view their specific insurance requirements and your current policy details.

Reviewing Your Client's Insurance Requirements

Once you select a client and have uploaded a COI document, Highwire displays a table comparing your policy with that client's requirements. This table typically includes the following columns:

• Required – the coverage type or policy limit your client requires.
• Your Policy – the corresponding value from your most recently uploaded certificate of insurance.
• Expiration – the expiration date of your current policy.
• Meets Requirements – whether your policy satisfies the client's requirement for that line item.

In addition to policy limits, clients may also require specific insurance specifications, shown as checkboxes such as Location, Occurrence, Project, Waiver of Subrogation, and General Liability. A checked box indicates that specification is included on your certificate of insurance.

If Your Certificate Does Not Meet Requirements

If any line item shows that your policy does not meet a client's requirement, review the specific gap first — it may be a policy limit that is too low, a missing specification checkbox, or an approaching expiration date.

• Contact your insurer to request an updated COI that reflects the coverage, limits, or specifications your client requires.
• Reach out to your client to verify if your coverage is acceptable.

When to Reach Out to Your Client

In some cases, you may believe your existing coverage is sufficient even if Highwire shows it does not fully match the listed requirement, or you may have questions about why a specific limit or specification is required.

If you have questions about a requirement, or believe an exception may apply to your situation, reach out to your client directly to discuss it.

Your client sets and owns their insurance requirements, and they make the final determination on whether your insurance coverage is approved — Highwire's “Meets Requirements” indicator is a guide based on the criteria your client has set, not a substitute for your client's final approval.

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