additional insured

FDA clearance proves your device can be sold, but your insurance determines whether buyers will let you sell it. This guide covers how liability exposure shifts from clinical use to commercial distribution, what GPOs and hospital procurement teams require, three policy updates to make before your first sale, and an insurance readiness checklist.

A certificate of insurance used to be a simple proof-of-coverage formality. Today, clients and general contractors are requiring higher limits, specific endorsement forms, additional insured status, and waivers of subrogation — and contractors who don't keep up are losing bids before the work even starts. Here's what's changed and what to do about it.