COI coverage gap checker
Limits vary by IDN. This is a common packet, not that hospital’s exhibit A.
Vendor certificate of insurance requirements for hospitals and ASCs
Hospitals and ASCs usually require medical device vendors to show a certificate of insurance (COI) before reps get access. The file is checked for coverage lines, limits, additional-insured wording, the insured entity name, and policy dates. This COI coverage gap checker lists what a common facility packet asks for so gaps are fixed with the broker before the vendor file stalls. Browse the free tools hub for related credentialing checks.
How to use this COI coverage gap checker
With the current COI and the facility’s insurance requirements side by side, tick each item the certificate meets. Unticked items go to your broker. Then pair with the rep onboarding checklist, the hospital vendor BAA necessity picker, and the credential expiry calculator to track the policy end date.
What your score means
The count shows how many common COI requirements the certificate meets — not whether a specific facility will accept it. Limits and endorsements vary by IDN, so any open item should be checked against that facility’s vendor agreement.
COI coverage checklist
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Gaps in hand — next is keeping every vendor COI compliant and in date before badge issue. Talk to a pilot team to operationalize COI checks, credential expiry, and OR access risk in your ASC/hospital workflow.
FAQ
- What insurance do hospitals typically require from medical device vendors?
- A typical facility packet asks for commercial general liability, products / completed operations, umbrella or excess liability, workers’ compensation and employer’s liability, auto liability if the rep drives on campus, and professional liability if the vendor provides clinical services. Required limits vary by facility and IDN and are set in the vendor agreement or policy.
- What does “additional insured” mean on a vendor COI?
- It means the facility is added to the vendor’s policy so it can claim coverage for liability arising from the vendor’s work. A certificate of insurance is only evidence of coverage; additional-insured status comes from an endorsement on the policy, which is why many facilities also ask for the endorsement wording.
- What is a waiver of subrogation, and when is it required?
- A waiver of subrogation means the vendor’s insurer gives up its right to recover claim payments from the facility. It is added by endorsement and is required only when the facility’s vendor agreement asks for it — check the insurance section of the agreement.
- Why do hospitals reject a vendor’s certificate of insurance?
- Common reasons are limits below the facility’s requirement, a missing coverage line such as products or umbrella, the facility not named as additional insured, a certificate holder or insured name that does not match the legal entity on the vendor file, and policy dates that do not cover the visit or case window.
- Is this COI checker legal or insurance advice?
- No. It is an educational checklist of what a common facility packet asks for, not that hospital’s insurance exhibit. Confirm required coverage, limits, and endorsement wording with the facility’s vendor agreement and your insurance broker.
Educational only. Not a credentialing determination, not legal advice, and not a substitute for each facility’s policy. COI coverage gap checker does not submit files to hospitals or GHX/Vendormate/Symplr.