Insurance coverage minimums
Partners in the TQS Partner Program must carry the coverage below for as long as they perform work for TQS clients. Your insurance documents are reviewed against these minimums as part of your application.
Commercial general liability
A commercial general liability (CGL) policy covering bodily injury and property damage, with at least:
- Each occurrence
- $1,000,000
- General aggregate
- $2,000,000
- Products / completed operations aggregate
- $2,000,000
- Personal & advertising injury
- $1,000,000
Workers' compensation
Workers' compensation and employer's liability coverage for all personnel performing work, with at least:
- Workers' compensation
- Statutory limits for each state where work is performed
- Employer's liability — each accident
- $500,000
- Employer's liability — disease, each employee
- $500,000
- Employer's liability — disease, policy limit
- $500,000
Sole proprietors and other partners who are exempt from workers' compensation requirements in their state may instead provide an acceptable waiver or exemption certificate issued by their state.
Certificate requirements
- Provide a current Certificate of Insurance (COI) showing the coverage and limits above.
- Coverage must remain active while you perform work for TQS clients — we'll ask for an updated certificate when your policy renews.
- Certificates should list Team Quality Services as the certificate holder.
Questions about these requirements, or coverage that doesn't fit neatly into the categories above? Note it in the “Anything else we should know?” field on your application and our team will follow up.