Contract & Certificate Compliance for Texas Businesses
A proactive, relationship-driven approach that extends beyond policy placement—delivering continuous protection, claims advocacy, and integrity-based guidance for every client.
Why Contract & Certificate Compliance Matters
Every contract you sign and every certificate you issue defines responsibility when something goes wrong. Yet most businesses never realize their contracts often demand coverage that doesn’t actually exist in their policies — until it’s too late.
At Eastman Insurance Solutions (EIS Texas), we help businesses turn compliance from a vulnerability into a strength. Our goal is to ensure that your agreements — with vendors, clients, landlords, and subcontractors — accurately reflect your coverage and protect your bottom line.
When handled proactively, compliance isn’t just paperwork — it’s proof of leadership and trust in every business relationship.
Identifying Hidden Exposures
Contracts are written to transfer risk. When that risk isn’t matched by your insurance program, it can create costly gaps.
Here are some of the most common compliance exposures we uncover:
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Missing Additional Insured Endorsements – You’ve agreed to add a third party to your policy, but your carrier hasn’t issued the endorsement.
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Waiver of Subrogation Conflicts – Your contract requires a waiver your current policy doesn’t allow — leaving you exposed to recovery actions.
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Primary & Non-Contributory Language – You’ve promised to make another party’s coverage secondary, but your policy doesn’t support it.
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Per Project or Aggregate Limits Misalignment – Large projects may demand dedicated aggregates that your policy structure doesn’t accommodate.
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Uninsured Liability Extensions – Pollution, professional liability, or abuse/molestation requirements that aren’t included in standard general liability policies.
These are small clauses with big consequences. Left unchecked, they can delay projects, void indemnification clauses, or result in uninsured losses.
How EIS Solves the Problem
Our approach is simple: Educate. Review. Protect.
Educate:
We start by helping you understand how your contractual promises connect to your insurance coverage. Our advisors translate the fine print into plain English so you can make confident business decisions.
Review:
Our experienced commercial team reviews your contracts and certificates line by line — ensuring your coverage meets every contractual expectation. We identify gaps early and explain your options before you sign or submit.
Protect:
Once your coverage aligns, we provide compliant, professional documentation that reflects your true protection. From there, we stay with you — monitoring changes in contract language, coverage updates, and emerging risks — because partnership doesn’t end once the certificate is sent.
That’s the EIS Difference — leadership through service, Beyond the Coverage™.
Schedule a Risk Consultation
Every contract is an opportunity to protect your business better. Let’s review your next agreement before it becomes a problem.
Contracts often include insurance terms that don’t match your current policies. A professional review helps you avoid uninsured obligations and costly disputes.
Any agreement that includes indemnification, insurance requirements, or liability transfers — including vendor, client, and lease contracts.
Not always. However, any time certificate wording references contractual requirements, a review ensures your policy actually provides the coverage you’re certifying.
Most compliance reviews are completed within a few business days, depending on contract complexity and number of parties involved.
Integrity, service, and partnership. We focus on understanding your business first, then tailor our review and education process to ensure your protection goes Beyond the Coverage™.