Sample output: Insurance Requirements Contract Review

This is an illustrative sample of what the Insurance Requirements Contract Review skill produces. Every party, date, document, and fact is fictional — invented for illustration only.

Every output is draft legal work product for review by a licensed attorney. AgentCounsel does not provide legal advice and is not a substitute for a qualified lawyer. A licensed legal professional must review and adopt every output before it is relied upon.

The fictional scenario

Sample Request — insurance-requirements-contract-review

Fictional illustration. All parties, facts, figures, forms, and documents below are invented for this example. The example contains no real or invented legal authority.

Please run insurance-requirements-contract-review on the insurance and indemnity clauses of a master services agreement, and flag the gaps for counsel.

Matter facts

The parties: Northgate Property Group LLC (fictional, the customer) and Cedar Lane Maintenance Co. (fictional, the service provider).
The user's role: in-house counsel for Northgate, the customer requiring coverage.
Contract type: master services agreement (MSA).
Jurisdiction: governing law not provided.

Materials provided (fictional MSA excerpts)

§12 "Insurance" — requires the service provider to carry commercial general liability and commercial auto liability at stated limits, and workers' compensation as required; requires Northgate to be named an additional insured on the CGL.
§13 "Indemnification" — the service provider indemnifies Northgate for certain third-party claims.

Stated facts

§12 does not mention a waiver of subrogation.
§12 does not mention primary and noncontributory coverage.
§12 does not state a notice-of-cancellation requirement.
§12 does not address subcontractor or lower-tier insurance requirements.
§12 does not state how certificates or endorsement evidence must be provided.

Please: build a contract insurance requirements table; map the indemnity and risk allocation; build a risk matrix from the customer's perspective; list missing provisions; give negotiation points as direction only; and do not conclude that the requirements are legally sufficient or enforceable.

What the skill produced

Sample Output — insurance-requirements-contract-review

Draft work product for attorney review. Not legal advice. Every party, fact, figure, form, document, and reference below is fictional and illustrative. This example contains no real or invented legal authority. It shows the shape of the skill's deliverable — not a model answer for any matter.

Capability and Reliance Notice

This is a draft review of the insurance and indemnity provisions of a master services agreement for a qualified, licensed attorney. It does not provide legal advice, conclude that the provisions are adequate, sufficient, or enforceable, determine the legal effect or scope of the indemnity or additional insured clause, or opine on anti-indemnity rules. A qualified attorney must review it before negotiation or signing.

Gates Table

Gate	Status	Source
Contract type	Master services agreement (MSA)	User request
User's role	In-house counsel for Northgate — the customer requiring coverage	User request
Jurisdiction / governing law	`not provided` `[verify jurisdiction]`	—
Clauses reviewed	§12 "Insurance"; §13 "Indemnification"	Provided excerpts

Contract Insurance Requirements Table

Requirement	Detail as written	Responsible party	Source
Commercial general liability	CGL at stated per-occurrence and aggregate limits	Service provider	§12
Commercial auto liability	Auto liability at a stated limit	Service provider	§12
Workers' compensation	Workers' compensation as required	Service provider	§12
Additional insured	Northgate named an additional insured on the CGL	Service provider to arrange	§12
Waiver of subrogation	`not found`	—	§12
Primary and noncontributory	`not found`	—	§12
Notice of cancellation / nonrenewal	`not found`	—	§12
Certificates / endorsement evidence	`not found` — §12 does not state how evidence must be provided	—	§12
Subcontractor / lower-tier requirements	`not found`	—	§12

Indemnity and Risk Allocation

Section 13 provides that the service provider indemnifies Northgate for certain third-party claims, as written. Section 12 requires the service provider to carry insurance and to name Northgate as an additional insured on the CGL. The insurance requirements (§12) and the indemnity (§13) are related risk-transfer mechanisms; how they interact, and the scope and legal effect of each, are questions for the attorney. This review states what the clauses say and does not determine the scope or effect of the indemnity or the additional insured requirement.

Risk Matrix (customer's perspective)

#	Requirement / gap	Source	Concern for the customer	Risk	Attorney follow-up
1	No waiver of subrogation	§12	Without a waiver, the provider's insurer could pursue recovery against the customer	High	Consider whether a waiver should be required
2	No primary and noncontributory language	§12	The customer's additional insured coverage may not be intended to respond first	High	Consider whether primary/noncontributory should be required
3	No notice-of-cancellation requirement	§12	The customer may not learn if the provider's coverage lapses	Medium	Consider a notice-of-cancellation requirement
4	No certificate / endorsement evidence mechanism	§12	No stated process to verify coverage and endorsements	Medium	Consider how evidence of coverage must be delivered
5	No subcontractor / lower-tier requirements	§12	Lower-tier parties may carry no required coverage	Medium	Consider whether subcontractor requirements are needed
6	Indemnity / insurance interaction	§12; §13	How §13 indemnity and §12 insurance fit together affects risk transfer	High	`[ATTORNEY TO CONFIRM]` the indemnity scope and its interaction with §12

Missing Provisions

Waiver of subrogation — not found in §12.
Primary and noncontributory coverage — not found in §12.
Notice of cancellation or nonrenewal — not found in §12.
Certificate and endorsement evidence mechanism — not found in §12.
Subcontractor / lower-tier insurance requirements — not found in §12.

Negotiation Points (direction only — customer's side)

Consider adding a waiver of subrogation in favor of the customer.
Consider adding primary and noncontributory language for the customer's additional insured coverage.
Consider adding a notice-of-cancellation / nonrenewal requirement.
Consider specifying how certificates and endorsement forms must be delivered.
Consider whether subcontractor / lower-tier insurance requirements are needed.

Attorney Verification Checklist

[ ] Confirm governing law and jurisdiction [verify jurisdiction]; anti-indemnity and procurement rules are jurisdiction-specific.
[ ] Confirm the §12 limits and required policy types against the customer's standards.
[ ] Determine the scope and legal effect of the §13 indemnity and its interaction with §12 — this review does not.
[ ] Decide which missing provisions to require, and the final clause language.
[ ] Confirm whether the requirements are sufficient — this review does not.

Assumptions

Assumed §12 and §13 as provided are the operative insurance and indemnity clauses — [CONFIRM].
No conclusion that the provisions are adequate, sufficient, or enforceable is drawn; negotiation points state direction only.