Network Insurance Requirements
Audience:
All Users
Applies To:
All providers verified through the Pruuvn® platform
Visibility:
All Users
Overview
This document lists network-specific insurance requirements used by Pruuvn® during Certificate of Insurance (COI) verification and monitoring. These requirements represent the minimum criteria for verification within the platform.
Final network approval may include additional steps outside of Pruuvn®.
How It Works
When a provider submits a Certificate of Insurance:
- Pruuvn® verifies coverage types, limits, and endorsements
- Mandatory requirements must be met for compliance
- Conditional coverages are enforced based on scope of work
- Agent validation may be required
Failure to meet mandatory requirements results in a non-compliant COI status.
Urgently – Insurance Requirements
Additional Insured Requirement
- Urgently must be listed as an Additional Insured
- Certificate Holder alone is not sufficient
Required Coverage Types & Limits
Coverage Type | Minimum Limit | Required |
Auto Liability | $1,000,000 | Yes |
General Liability | $1,000,000 | Yes |
Conditional / Scope-Based Coverage
Coverage Type | Minimum Limit | Conditional |
Garage Keepers | $150,000 | Yes |
On-Hook | $150,000 | Yes |
Cargo | $150,000 | Yes |
Enforce when the provider’s work includes vehicle custody, towing, storage, or transport.
AAA-ACA – Insurance Requirements
Additional Insured Requirement
- AAA-ACA must be listed as an Additional Insured
- Certificate Holder alone does not meet requirements
Required Coverage Types & Limits
Coverage Type | Minimum Limit | Required |
Auto Liability | $300,000 | Yes |
General Liability | $300,000 | Yes |
Conditional / Scope-Based Coverage
Coverage Type | Minimum Limit | Conditional |
Garage Keepers | $150,000 | Yes |
On-Hook | $150,000 | Yes |
Cargo | $150,000 | Yes |
Copart – Insurance Requirements
Additional Insured Requirement
- Copart must be listed as an Additional Insured
- Certificate Holder alone does not meet requirements
Required Coverage Types & Limits
Coverage Type | Minimum Limit | Required |
Auto Liability | $300,000 | Yes |
General Liability | $300,000 | Yes |
Conditional / Scope-Based Coverage
Coverage Type | Minimum Limit | Conditional |
Garage Keepers | $150,000 | Yes |
On-Hook | $150,000 | Yes |
Cargo | $150,000 | Yes |
Verification Notes (Internal Use)
- Confirm Additional Insured language explicitly names the network entity
- Validate coverage limits meet or exceed minimums
- Confirm conditional coverage requirements based on work scope
- Request agent validation when details are unclear
Important Notes
- This document is network-specific and not provider-facing
- Network approval may continue after Pruuvn® verification
- Requirements may change based on contract updates
When to Escalate
Escalate internally if:
- Coverage limits are borderline
- Additional Insured language is ambiguous
- Providers dispute conditional coverage requirements
Related Articles
- Certificate of Insurance (COI) FAQs
- Compliance & Status Reference (Enterprise Admin)
- Understanding Pruuvn® Verification vs Network Approval
Powered by