Draft Legal Document — Attorney Review Required
This insurance requirements document is a template for your attorney to review and edit. It supplements the Reseller Agreement and Hold Harmless.
CERTIFICATE OF INSURANCE REQUIREMENTS
Grant Search US Reseller Program
OVERVIEW
All resellers in the Grant Search US Agency Program must maintain active insurance coverage for the duration of their participation. This document outlines the minimum coverage requirements. A Certificate of Insurance (COI) evidencing compliance must be uploaded and approved before the reseller account is fully activated.
REQUIRED POLICIES
1. Professional Liability / Errors & Omissions (E&O)
Covers claims arising from the professional services you provide to your clients, including advice, grant writing, and consulting.
2. Commercial General Liability (CGL)
Covers bodily injury, property damage, and personal/advertising injury arising from your business operations.
3. Cyber Liability Insurance
Covers data breaches, cyber incidents, and privacy violations involving client data accessed through the Platform.
4. Workers' Compensation
As required by applicable state law for any employees or subcontractors.
ADDITIONAL INSURED & SPECIAL PROVISIONS
Additional Insured: Grant Search US, Inc., its owners, officers, directors, and employees must be named as additional insureds on all policies (except Workers' Compensation) on a primary and non-contributory basis.
Waiver of Subrogation: All policies must include a waiver of subrogation in favor of Grant Search US.
Notice of Cancellation: All policies must provide a minimum of thirty (30) days written notice of cancellation or material change to Grant Search US.
Coverage Period: Coverage must be maintained for the entire duration of the reseller relationship and for a minimum of two (2) years following termination.
Deductibles: Any deductible exceeding $25,000 must be disclosed to and approved by Grant Search US.
SUBMISSION REQUIREMENTS
Resellers must upload a Certificate of Insurance (COI) (ACORD 25 form or equivalent) through the compliance onboarding portal.
The COI must clearly show:
- All required policy types with coverage limits
- Grant Search US, Inc. listed as Additional Insured
- Policy effective and expiration dates
- Insurance carrier name and policy numbers
- Waiver of subrogation notation
Renewal certificates must be submitted at least 30 days before policy expiration. Failure to maintain coverage will result in automatic suspension of the reseller account until proof of renewed coverage is provided.
SOLO RESELLER EXCEPTION
Resellers operating without employees (sole proprietors) may request a waiver of the Workers' Compensation requirement if permitted by applicable state law. All other insurance requirements remain in effect. Waiver requests must be submitted in writing and approved by Grant Search US prior to activation.
This document is a DRAFT template for attorney review. Supplement to Reseller Agreement.