Certificate of Insurance Review That Eliminates Coverage Gaps

Every organization that works with vendors, subcontractors, or service providers carries insurance risk they may not see. Certificates of Insurance arrive as PDF attachments. Someone files them. Nobody verifies whether coverage limits match contractual requirements. Nobody checks exclusions. Nobody notices when certificates expire — until an incident forces the question.

The exposure is not theoretical. An uninsured subcontractor injury becomes the hiring organization's liability. A vendor's lapsed professional liability policy means your data breach claim has no backstop. Every unflagged exclusion is an assumption that the contract is covered when it may not be.