Tenant Insurance Certificate Review
Abstract a commercial lease's insurance requirements and the tenant's certificate of insurance, then verify every coverage, limit, additional insured, and waiver of subrogation against the lease - with a per-requirement compliance matrix, a ready-to-send correction list, and a renewal follow-up date.
What it extracts
13 extraction fields
- Lease and Tenant Overview
- A one-look roll-up of the lease and parties - tenant, landlord, the entities the lease requires as additional insured, property, suite, and lease dates - so a reviewer can orient and later columns know which names must match the certificate.
- Lease Insurance Requirements (Verbatim)
- The lease's insurance clause and any cross-referenced sections quoted verbatim with section references - the authoritative requirement set every later test is measured against.
- Required Coverage Schedule
- The verbatim requirements normalized into one row per required coverage - the required limit or basis, whether additional insured, primary-and-non-contributory, and waiver of subrogation are required, and whether self-insurance is permitted.
- Certificate of Insurance Overview
- The certificate header - ACORD form type (25/27/28), issue date, producer, named insured, certificate holder, description-of-operations text, and any endorsements referenced - with the reminder that a certificate is evidence only.
- Liability Coverages on the Certificate
- One row per liability line on the ACORD 25 (CGL, auto, umbrella/excess, workers' comp) with carrier, policy number, occurrence and aggregate limits, effective and expiration dates, and the additional-insured and subrogation-waived indicators.
- Property Coverage on the Certificate
- The tenant's evidence of property insurance (ACORD 28/27) - carrier, coverage amount, deductible, coinsurance, causes-of-loss form, loss payee, and dates - or a flag that no property evidence was provided.
- Additional Insured and Waiver Verification
- The highest-risk check - whether the landlord and all required parties are truly additional insured (via endorsement, not just certificate holder), whether coverage is primary and non-contributory, whether subrogation is waived, and whether the certificate holder matches the lease.
- Carrier Acceptability and AM Best Rating
- Each insurer's A.M. Best rating and financial size category (looked up when not printed on the certificate) tested against the lease's minimum-rating and admitted-carrier requirement.
- Certificate Currency and Expiration
- Whether every policy is currently in force, the earliest expiration and days remaining (computed against today), whether coverage spans the lease term, and whether the cancellation-notice provision meets the lease.
- Coverage Compliance Matrix
- The core deliverable - one row per requirement comparing the lease's required value to the certificate's value with a status of met, deficient, not shown, or expired, including the shortfall where a limit falls short.
- Deficiencies and Required Corrections
- One row per failed requirement with a severity and the concrete correction to request from the tenant or broker (for example a revised ACORD 25, an additional-insured endorsement, or a waiver of subrogation) - the content of the correction letter.
- Compliance Determination
- A single verdict for the certificate - compliant, deficient for insufficient/missing coverage, deficient for missing additional insured or waiver, deficient for expired/lapsing, or needs manual review - taking the most severe when several apply.
- Expiration and Follow-Up Tracking
- The tickler entry - earliest policy expiration, lease expiration, the date a renewal certificate is needed, and the recommended follow-up date - because tenant insurance renews annually and must be re-verified for the life of the lease.
Where it fits
Tenant-insurance compliance review (lease administration)
Upstream
Lease execution and tenant onboarding, and each annual insurance renewal - the executed lease and the tenant's certificate of insurance (and endorsements) arrive by email or through a tenant/COI portal
This step
Abstract the lease insurance requirements and the certificate, and verify the certificate against the lease
Downstream
- Correction / deficiency letter back to the tenant or its insurance broker
- Certificate expiration tracking and annual renewal follow-up (tickler / diary)
- Lease administration and asset-management records; lender / mortgagee reporting where required
What it needs
Documents
- Executed commercial lease (and amendments, exhibits, or riders with insurance requirements)
- Tenant's certificate of insurance - ACORD 25 (liability)
- Tenant's evidence of property insurance - ACORD 28 or ACORD 27
- Policy endorsements referenced on the certificate (additional insured, primary-and-non-contributory, waiver of subrogation)
- The landlord's insurance-requirements schedule or checklist, if maintained separately
Systems
- Certificate-of-insurance / tenant portal or tracking system
- Lease administration or property-management system
- Document repository
Prerequisites
- The executed lease with its insurance clause (and any cross-referenced sections)
- The tenant's current certificate of insurance and any referenced endorsements
- The lease's carrier-rating threshold (for example a minimum A.M. Best rating), if specified
What it produces
A per-certificate review: the lease requirement schedule, the abstracted certificate, a requirement-by-requirement compliance matrix (met / deficient / not shown / expired), a single compliance determination, a correction list ready for a letter to the tenant or broker, and a renewal follow-up date - all with cited evidence
Delivered to
- Correction / deficiency letter to the tenant or broker
- COI tracking system / tickler for renewal follow-up
- Lease administration / asset-management system
Review model
A lease administrator or insurance-compliance analyst reviews the compliance matrix, the additional-insured and waiver findings, and the cited certificate values before a correction letter goes out or a certificate is accepted.
Who uses it
Volume fit
Works best for
owners, managers, and servicers verifying tenant certificates across a portfolio of dozens to thousands of leases, and re-verifying at every annual renewal
Too small for
a landlord with a single tenant reviewed once
Grounded in
- ACORD 25 - Certificate of Liability Insuranceverified as of 2026-07-22
- ACORD 28 - Evidence of Commercial Property Insuranceverified as of 2026-07-22
- ACORD 27 - Evidence of Property Insuranceverified as of 2026-07-22
- ISO CGL additional-insured and related endorsements (CG 20 11, CG 20 37, CG 20 01, CG 24 04)verified as of 2026-07-22
- A.M. Best financial strength rating and Financial Size Category (carrier-acceptability requirement)verified as of 2026-07-22
Changelog
- July 2026
based on a production deployment at a private real estate investment firm
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