Q: What is ContractorCheck?
A: ContractorCheck is a third-party health and safety Accreditation program for contractors. Clients have asked us to collect, review and store contractor health and safety policies, training procedures, insurance, and documentation on our web-based portal so that they have easy access to the information.
Q: Why are clients asking their contractors to register with ContractorCheck?
A: ContractorCheck is a due-diligence to make sure that the client is engaging with competent and safe contractors. Through the ContractorCheck assessment, we are able to document and track that contractors meet the clients’ requirements, and that they are compliant with legislation.
Q: What’s in it for me, the contractor?
A: ContractorCheck will help to improve your company’s health and safety standards through the expertise of our health and safety professionals. We are on call for you to help answer any questions, and to guide you through the preparation and maintenance of your sound health and safety policies and procedures. Also, by registering with ContractorCheck and completing the Accreditation, you will be visible on our client portal when clients search for safe contractors to work with. That means your company is visible to ALL of our clients, not just the ones you’re anchored to. We’ll help you gain extra exposure to our other clients through our contractor marketing program.
Q: Are there any other benefits to ContractorCheck membership?
A: Contractor members have access to a dedicated marketing team at ContractorCheck, and have several opportunities to gain exposure for their businesses. Gain exposure through a feature in our monthly ContractorCheck newsletter, on our regularly updated social media sites, and website. Also, we provide contractors with an Accredited Member Logo when they have earned Accreditation, which can be used on websites, business cards and other company marketing material. Accredited Member Stickers are sent to Accredited contractors so that they can share the news of their Accreditation on the jobsite as well.
Q: What do I have to do to earn Accreditation?
A: The steps to earning ContractorCheck Accreditation are as follows:
- Register with ContractorCheck, and provide requested documentation and insurance certificates
- Online Questionnaire
- Assessment with ContractorCheck H&S professionals
Q: Why do I have to complete an assessment annually?
A: It is important that we assess your company annually to keep up with any legislative, company or personnel changes. We also have to make sure that health and safety policies and procedures are being followed and maintained properly, each year.
Q: I’m a small contractor with hardly any employees other than myself. Why do I need to be ContractorCheck Accredited?
A: As a small business, you still need to comply with legislation, and we need to confirm your compliance. ContractorCheck has significant experience in assessing contractors of all sizes, including sole proprietors. As a benefit of membership, you have access to our team of health and safety professionals to help you build a solid health and safety policy and program for your company, which many of our smaller contractors find very useful.
Q: What is a Certificate of Insurance?
A: An insurance company provides a Certificate of Insurance as proof that the Named Insured has a valid commercial insurance policy in place. The broker as a representative of the insurer may issue the Certificate of Insurance.
Whenever you have a business arrangement with another company, as a contractor, as a supplier, as a tenant or even for an event being held on someone’s property, you may be asked to provide a certificate of insurance. As a guest on someone’s property, they want confirmation that Commercial General Liability (CGL) coverage is in effect for your business prior to you being on the premises.
Commercial General Liability is an important coverage for every business. General Liability offers protection for your business against claims for property damage and bodily injury to any third party arising from your premises, operations, products and completed operations. An employee of the insured isn’t a third party therefore no coverage applicable to employees under General Liability coverage.
A certificate of insurance cannot take the place of an Insurance Policy and it shouldn’t contain anything that isn’t part of the Insurance Policy. Furthermore, no contract of insurance exists between the Certificate Holder and the Insurance Company listed on the document. Most certificates of insurance specifically state that they confer no rights to the Certificate Holder.
The Certificate of Insurance (COI) confirms the existence insurance coverage and includes the following:
- Insured party – person or company (the policy will cover the Named Insured)
- Type of insurance
- Limit of coverage
- Policy effective and expiry date
- Insurance Company
- Broker/producer – if applicable
- Certificate Holder with an address
- Additional Insured
- Notice of cancellation to the Certificate Holder (may state 0, 15 or 30 days’ notice)
- Signature of an authorized insurance representative.
The certificate of insurance may state that the Insurer will provide the Certificate Holder with 30 days written notice of cancellation. The Additional Insured won’t receive notice of cancellation unless an address is given for the Additional Insured that differs from the Certificate Holder. The Certificate Holder is responsible to advise the Additional Insured of the cancellation, and obtain a new certificate of insurance from the Named Insured.
To obtain protection under the third party’s policy, the Certificate of Insurance must list the Additional Insured. You will notice that the Certificate Holder is also identified as an Additional Insured. An example of a Certificate Holder might be the property management company who represents and manages the property on behalf of the owners. It’s important to review the name(s) of the Additional Insured on the Certificate of Insurance to ensure the entity (or entities) is (are) correctly identified.
If you’ve provided a client with a certificate of insurance and you cancel your insurance policy because you’ve obtained coverage with a new Insurer, please advise the client a certificate of insurance will follow shortly from the new insurer. You should provide the Client with a new certificate of insurance before being asked. This pre-empts the Client receiving a notice of cancellation and having to refuse you from entering their premises. The client may request you leave the premises until you can provide a new certificate of insurance.
We hope these questions are helpful to you. If you would like more information, or have additional questions, please email us at [email protected] or call our office Toll Free at 1.855.640.6949.