List the coverage you need from a vendor or contractor and get a request email ready to send, plus a one-page requirements sheet for your vendor packet: limits, additional insured and waiver wording, and the certificate holder exactly as it should read.
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Who's asking, and who from
Coverage you require
Request email
Subject: Certificate of insurance needed: Plumbing repairs and replacements at The Calloway, 24 units
Hi Apex Plumbing team,
Before work starts on plumbing repairs and replacements at The Calloway, 24 units, we need a current certificate of insurance by November 20, 2026. Please forward this to your insurance agent. They can issue it directly.
Coverage and minimum limits:
- Commercial general liability: $1M each occurrence, $2M general aggregate
- Automobile liability: $1M combined single limit, covering any owned, hired and non-owned autos
- Umbrella or excess liability: $1M each occurrence
- Workers' compensation: statutory limits, with employer's liability of $500,000 each accident
Endorsements:
- Harbor Property Management LLC named as additional insured on the general liability and auto policies, for ongoing and completed operations, with the endorsement attached
- Waiver of subrogation in favor of Harbor Property Management LLC on the general liability and workers' compensation policies
- General liability coverage primary and non-contributory to any insurance we carry
Certificate holder, exactly as written:
Harbor Property Management LLC
410 Bayshore Blvd, Suite 200
Tampa, FL 33606
Please send the certificate and the endorsement pages to Maria Reyes, vendors@harborpm.example.
Thank you,
Harbor Property Management
Insurance requirements
Harbor Property Management · Plumbing repairs and replacements at The Calloway, 24 units
Coverage and minimum limits
□Commercial general liability: $1M each occurrence, $2M general aggregate
□Automobile liability: $1M combined single limit, covering any owned, hired and non-owned autos
□Umbrella or excess liability: $1M each occurrence
□Workers' compensation: statutory limits, with employer's liability of $500,000 each accident
Endorsements
□Harbor Property Management LLC named as additional insured on the general liability and auto policies, for ongoing and completed operations, with the endorsement attached
□Waiver of subrogation in favor of Harbor Property Management LLC on the general liability and workers' compensation policies
□General liability coverage primary and non-contributory to any insurance we carry
Policies must be in force for the length of the work. Send a renewed certificate before any policy expires. Certificate due November 20, 2026.
Made with the free certificate of insurance request builder from dailybuilt · dailybuilt.co/tools/certificate-of-insurance-request/
How to use it
1Enter your company, the certificate holder name and address, and the vendor.
2Tick the coverages you need and set the minimum limits.
3Copy the email and send it to the vendor, or save the requirements as a PDF.
4When the certificate arrives, check it with the certificate of insurance checker.
Questions
How do I request a certificate of insurance?+
Ask the vendor in writing, list the coverages and minimum limits you need, any endorsements such as additional insured, and the certificate holder name and address exactly as it should appear. The vendor forwards it to their insurance agent, who issues the certificate.
Who issues a certificate of insurance?+
The vendor's insurance agent or broker. Asking the vendor to forward your request to their agent is the fastest route.
What limits should I require from a contractor?+
$1,000,000 each occurrence and $2,000,000 aggregate in general liability is a common minimum for trades working on a property, with auto liability, workers' compensation and often an umbrella. Your own insurer or lease may set higher limits.
Is being listed on the certificate enough?+
No. A certificate only summarizes coverage. To be covered as an additional insured, ask for the endorsement pages, not just the box ticked on the certificate.
How often should I get a new certificate?+
Every time a policy renews, usually once a year, and before any new job if the requirements change.
We build and run the AI that reads certificate requests, checks them against the policy and drafts the certificate. Your team approves each one before it goes out.