An ACORD 25 confers no rights and amends no policy. The coverage lives in the endorsements — so we track the endorsements you have on file, not the boxes the agent ticked.
Every coverage line
GL each-occurrence and aggregates, and whether the aggregate is per project or shared across every job the sub is on. Auto and umbrella limits. And the workers comp exclusion box — an excluded owner-operator swinging a hammer is an uninsured person on your site.
Additional insured most common gap
CG 20 10 covers ongoing operations. It does not cover completed operations — that's CG 20 37. A cert with only CG 20 10 looks fine right up until a claim shows up two years after closeout.
Waiver of subrogation
CG 24 04 for general liability, WC 00 03 13 for workers comp, CA 04 44 for auto. A ticked box on the certificate is not the same thing as the endorsement existing.
Certificate holder
Exact-matched against the entity on the subcontract. "Meridian Builders Inc." and "Meridian Builders, LLC" are two different companies to a claims adjuster.
Against your requirements
Your exhibit says $2M aggregate and the cert says $1M. Your contract requires primary and non-contributory and the cert is silent. Flagged the day it arrives, not the day of the claim.
Renewals, automatically
The replacement cert is matched to the sub and diffed against the expiring one. Anything that got worse — a dropped endorsement, a reduced limit, a new exclusion — is called out, not silently filed.
