Checklist

Umbrella Evidence Checklist

Checklist for umbrella documents, endorsements, cancellation terms, and review notes.

How to use this tool

Use it to collect umbrella documents, required limits, endorsement items, cancellation terms, job details, and final review notes.

Who this is for

Contractors and business owners preparing insurance details for a job, contract, quote, certificate request, or renewal.

When to use it

Use it before sending a broker request, certificate request, contract response, renewal packet, or internal insurance review.

How to use it

Enter the details you have, review the generated checklist, and download a copy for your records or broker discussion.

What you get

A downloadable checklist that organizes the insurance details for this task in one place.

Umbrella Evidence Checklist

Checklist for umbrella documents, endorsements, cancellation terms, and review notes.

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Business name

Contact name

Project name

Requesting party

State

Certificate due date

Contract date

Required limit

Checklist

Download checklist

A downloadable checklist that organizes the insurance details for this task in one place.

Available as PDF, DOCX. The file uses the current field values.

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Preview of downloaded checklist

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Job summary

Business: ________________ Contact: ________________ Project: ________________ Requesting party: ________________ State: ________________ Contract date: ________________ Certificate due date: ________________ Required umbrella or excess limit: ________________

Use this checklist to track the umbrella or excess liability evidence the requesting party reviews for this project.

Documents to collect

Item	What to verify	Status and notes
Certificate of insurance	Shows umbrella or excess liability limit, policy dates, named insured, and requesting party details.
Commercial general liability declarations	Shows the underlying general liability policy and limits.
Umbrella or excess declarations	Shows the umbrella or excess policy limit, policy period, carrier, and named insured.
Umbrella or excess policy copy or binder	Provides evidence when the full policy is not yet available.
Endorsements, riders, and modifications	Collect copies in effect for the project, rather than relying only on certificate descriptions.
Underlying commercial auto evidence	Confirm whether the umbrella or excess policy sits above commercial auto liability when the contract requires it.
Employer's liability evidence	Confirm whether employer's liability is listed as an underlying policy when the contract requires it.
Deductibles and exclusions shown to requester	Track any deductible amounts or exclusions the contract asks to see.

Endorsement review

Requirement	What to check	Status and notes
Additional insured	Confirm whether the owner, general contractor, or other upstream party must be named or covered by endorsement.
Ongoing operations	Confirm whether additional insured wording applies during the work.
Completed operations	Confirm whether additional insured wording applies after the work is complete, if the contract requires it.
Primary and noncontributory	Check whether the contract requires this wording and whether the policy or endorsement provides it.
Waiver of subrogation	Check whether the contract requires a waiver and which policies must include it.
Per-project aggregate	Confirm whether the contract requires a per-project aggregate or project-specific aggregate.
Follow-form wording	Confirm whether the umbrella or excess policy follows the required underlying policies.
Exclusions named in contract	Review any contract language about cross-suits, explosion, collapse, underground hazards, residential work, wrap-ups, or other exclusions.

Notice and limits

Contract item	What to confirm	Status and notes
Required limit	Compare the umbrella or excess limit with the contract requirement: ________________.
Underlying limits	Confirm the contract-required general liability, auto liability, and employer's liability limits before relying on umbrella limits.
Cancellation notice	Check whether the contract requires advance written notice before cancellation, lapse, or reduction of coverage.
Annual reinstatement	Check whether the contract requires annual reinstatement of limits during construction operations.
Project size requirement	For public work, review whether the required umbrella or excess limit changes by bid size or contract value.
Certificate holder	Confirm the exact certificate holder name and address requested by the owner, client, or general contractor.

Final review notes

Questions for the carrier or licensed support team: - Does the umbrella or excess policy sit above each underlying policy required by the contract? - Are endorsement copies available for additional insured, primary and noncontributory, waiver of subrogation, and completed operations wording? - Does the certificate match the named insured, policy dates, limits, and requesting party details? - Does the contract require notice of cancellation, lapse, or reduction of coverage? - Does any exclusion or limitation conflict with the work described in the contract?

Open items: 1. 2. 3.

Next steps

Compare the checklist against the insurance section of the signed contract.
Send missing endorsement requests before the certificate due date.
Keep copies of the certificate, declarations, policy copy or binder, and endorsements.

What this includes

Download formats

PDF, DOCX

Fields

Business name, Contact name, Project name, Requesting party, State, Certificate due date, Contract date, Required limit

Document sections

Job summary, Documents to collect, Endorsement review, Notice and limits, Final review notes

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Reviewed byHuy Huynh, technology lead at TradesCoverage and licensed insurance brokerNPN 22071436Last reviewed May 2026

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