# Configuring coverage rules

This guide walks through creating an insurance requirement and configuring the specific coverage rules contractors must satisfy.

## Creating a requirement

1. Navigate to **Dashboard → Organization → Insurance Requirements**  
2. Click **Create Requirement**  
3. Enter a name (e.g., "Standard Contractor Requirements" or "High-Risk Work Requirements")  
4. Add coverage rules (see below)  
5. Optionally associate with specific entities or job categories  
6. Save the requirement

## Setting a default requirement

Every organization needs one default requirement. To set a default:

1. Open the requirement in the Dashboard  
2. Toggle **Set as default**  
3. Save

Default limits

Only one default can exist. Setting a new default automatically removes the previous one.

## Associating with entities or job categories

You can assign requirements to specific entities or job categories when creating or editing the requirement. For example:

- A client entity with strict insurance requirements  
- A "High-Risk Work" job category requiring higher limits

## Supported coverage types

| Coverage type                  | Description                                                           |
|--------------------------------|-----------------------------------------------------------------------|
| Commercial General Liability    | Standard liability coverage for bodily injury, property damage, and personal injury |
| Workers' Compensation           | Coverage for work-related injuries and employer's liability             |
| Automobile Liability            | Coverage for vehicles used in contracted work                           |
| Umbrella / Excess Liability     | Additional liability limits above primary policies                      |
| Professional Liability (E&O)   | Coverage for professional services errors and omissions                 |
| Cyber Liability                | Coverage for data breaches and cyber incidents                         |
| Criminal Liability             | Coverage for criminal defense costs                                    |
| Liquor Liability               | Coverage for alcohol-related incidents                                  |
| Media Liability                | Coverage for media and content-related claims                          |

## Coverage rule fields

For each coverage type, you can validate multiple fields:

### Commercial General Liability

| Field                          | Example rule                |
|--------------------------------|-----------------------------|
| Per Occurrence limit           | ≥ $1,000,000               |
| General Aggregate limit        | ≥ $2,000,000               |
| Products/Completed Operations Aggregate | ≥ $2,000,000       |
| Personal & Advertising Injury   | ≥ $1,000,000               |
| Damage to Rented Premises      | ≥ $100,000                 |
| Medical Expense                | ≥ $5,000                   |
| Policy expiration              | Must be in the future      |
| Additional Insured             | Required                    |
| Waiver of Subrogation         | Required                    |

### Workers' Compensation

| Field                          | Example rule                |
|--------------------------------|-----------------------------|
| Per Statute                    | Required                    |
| Each Accident                  | ≥ $1,000,000               |
| Disease per Employee           | ≥ $1,000,000               |
| Disease Policy Limit           | ≥ $1,000,000               |
| Policy expiration              | Must be in the future      |

WC ignores additional insured

When only Workers' Compensation coverage is required, additional insured validation in the description of operations is automatically skipped (not applicable to WC-only policies).

### Automobile Liability

| Field                          | Example rule                |
|--------------------------------|-----------------------------|
| Combined Single Limit          | ≥ $1,000,000               |
| Bodily Injury per Person       | ≥ $100,000                 |
| Bodily Injury per Accident     | ≥ $300,000                 |
| Property Damage                | ≥ $100,000                 |
| Covered auto types             | Any Auto, Hired, Non-Owned  |
| Policy expiration              | Must be in the future      |

Split limits vs. Combined Single Limit

If you require split limits (e.g., Bodily Injury per Person ≥ $100K) but a certificate only shows a Combined Single Limit, the system will check whether the CSL meets or exceeds your requirement. This prevents false failures for certificates that use CSL formatting.

### Umbrella / Excess Liability

| Field                          | Example rule                |
|--------------------------------|-----------------------------|
| Each Occurrence                | ≥ $5,000,000               |
| Aggregate                       | ≥ $5,000,000               |
| Policy expiration              | Must be in the future      |

### Professional, Cyber, Criminal, Liquor, Media Liability

| Field                          | Example rule                |
|--------------------------------|-----------------------------|
| Policy limit                   | ≥ $1,000,000               |
| Policy expiration              | Must be in the future      |

## Special validation rules

Beyond coverage limits, you can require:

| Rule                             | What it checks                                                            |
|----------------------------------|--------------------------------------------------------------------------|
| Certificate holder matches organization | The certificate holder name must match your organization's name         |
| Insured name matches contractor  | The named insured must match the contractor's name or company name    |
| Additional insured required       | Your organization is listed as an additional insured                     |
| Waiver of subrogation required    | Waiver of subrogation is indicated on the certificate                    |
| Authorized representative signature | Certificate includes an authorized signature                             |
| Policy expiration in future      | Policy must not be expired at time of review                           |

## Date format requirements

The AI parser recognizes these date formats only:

- `MM/DD/YYYY` (e.g., 01/15/2025)  
- `MM/DD/YY` (e.g., 01/15/25)  
- `YYYY-MM-DD` (e.g., 2025-01-15)

Certificates using other date formats may have expiration rules fail due to unparseable dates. If you're seeing unexpected failures on expiration checks, verify the certificate uses a supported format.

**Next:** Learn how to [upload certificates](/content/docs/configuring-coverage-rules#/index.html) for review.