What are the mandatory COI insurance limits for a Commercial Janitorial & Disaster Restoration in North Carolina?

Standard general contractors and commercial projects in North Carolina require $1,000,000 per occurrence, $2,000,000 general aggregate, and $1,000,000 umbrella coverage per NC Licensing Board for General Contractors guidelines.

Why do general contractors reject ACORD 25 certificates?

The top 3 reasons for certificate rejection are: (1) Missing completed operations additional insured endorsements (CG 20 37), (2) General aggregate limit set below project specifications, and (3) Fatal Action Over or Labor Law 240 exclusion endorsements.

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Commercial Janitorial & Disaster Restoration COI Requirements in North Carolina

Verified compliance checklist for subcontractors operating in North Carolina under NC Licensing Board for General Contractors.

Statutory Policy Minimums

Coverage Type	Mandatory Specification
General Liability (Each Occurrence)	$1,000,000
General Aggregate Limit	$2,000,000
Umbrella / Excess Liability	$1,000,000
Workers' Compensation	Mandatory for 3+ employees
Regulatory Oversight	NC Licensing Board for General Contractors

Mandatory High-Risk Endorsements

Subcontractors in Commercial Janitorial & Disaster Restoration are routinely exposed to exclusions that leave General Contractors liable. Verify these endorsements are attached:

🛡️ Lost Key & Lock Replacement Rider🛡️ Janitorial Services Third-Party Dishonesty Bond🛡️ Biohazard / Mold Remediation Liability

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