Insurance Verification

1. What every mechanic must submit at signup

Your application is not approved until all of the following are uploaded and verified:

Certificate of Insurance (COI)

Your current Certificate of Insurance — the ACORD 25 form. It must list Mechanix Onsite as the Certificate Holder and as an Additional Insured.

Additional Insured endorsement

The actual policy endorsement page that names Mechanix Onsite as an Additional Insured. A COI alone does not grant coverage — this is the document that does. We accept any of:

• CG 20 10 (ongoing operations), and/or
• CG 20 37 (completed operations), or
• CG 20 33 / CG 20 38 (blanket additional insured — preferred, covers you automatically).

Waiver of Subrogation endorsement

Typically CG 24 04. Without this, your insurer can pay a claim and then sue Mechanix Onsite to get it back.

Commercial Auto coverage (if you drive to job sites)

Shown on the COI, with Mechanix Onsite as additional insured where available.

Garagekeepers / Garage Liability (if you take custody of customer vehicles)

Required where you take possession of a customer's vehicle to perform work.

2. What the documents must show

• Named insured = your legal business name (must match your signup name).
• Certificate Holder = Mechanix Onsite.
• Additional Insured = Mechanix Onsite (must appear in the description box and be backed by the endorsement page).
• General Liability limits of at least $1,000,000 per occurrence / $2,000,000 aggregate.
• Policy effective + expiration dates — the policy must be currently active.
• Waiver of subrogation in favor of Mechanix Onsite.

3. Minimum requirements

All uploads accept PDF, JPG, or PNG files up to 10 MB.

4. What you agree to at submission

Before submitting, you'll confirm each of the following in the app:

• I confirm the insurance documents I've uploaded are current, valid, and accurate.
• I agree to maintain active coverage meeting Mechanix Onsite's minimum requirements for as long as I take jobs on the platform, and to upload renewals before my policy expires.
• I understand I am an independent contractor, not an employee of Mechanix Onsite, and I am solely responsible for how I perform my work.
• I have read and agree to the Mechanic Services Agreement and Terms of Service.

5. Verification, status & renewals

While we review

Once your documents are received, we verify your insurance before you can accept jobs (usually within a few hours). You can't reach the job-acceptance screen until your status is Verified.

When you're verified

You're active, and your coverage is on file through your policy's expiration date.

Renewals

We store your policy's expiration date and send renewal reminders at 30, 14, and 3 days before it expires. When a policy expires, job access is suspended automatically until you upload a renewal, which re-triggers verification.

If we can't verify

We'll tell you exactly what's missing — for example, the certificate doesn't name Mechanix Onsite as an Additional Insured, the endorsement page is missing, the policy is expired or not yet effective, the General Liability limit is below the minimum, or there's no Waiver of Subrogation — so you can correct it and re-upload.

6. Questions

Not sure whether your coverage qualifies? Ask your insurer to name Mechanix Onsite as an additional insured with the endorsements above, or reach out to us: