Many contracts and compliance programs reference the “Big Four” insurance policies.

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This video explains what those policies are and why they’re considered foundational.

The Big Four:

●    General Liability

●    Auto Liability

●    Umbrella or Excess Liability

●    Workers’ Compensation

You’ll learn what each policy is designed to cover and why these four are commonly required across industries. This coverage frequently appears on certificates of insurance and impacts COI review decisions.

Why this matters: The “Big Four” policies form the baseline of most contractual insurance requirements.

Missing or improperly structured coverage within any of these policies is a common reason COI reviews fail and vendors are flagged as non-compliant. Understanding these policies supports more consistent COI review, collection, and contract compliance tracking.