Certificate of Insurance for a Landlord
Generate the certificate yourself in the Spot app from your policies, and your Spot team handles any endorsement the lease calls for.
Upload the property manager’s email or the lease’s insurance section. Your Spot team checks it against your policies.
General liability insurance
Maple Market · Policy review
Confirm with your broker
Limits, exclusions, and endorsements
If the lease wants a coverage, limit or endorsement your policy doesn’t have, we work with your broker and insurer to add it.
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JordanMaple Market
RileySpot
Create it in the Spot app with the landlord as certificate holder, and send it to the property manager.
JordanMaple Market
Certificate of insurance
Maple Market
Ready for your review
When your policies renew, your Spot workspace has the new terms, so you can send the landlord an updated certificate before they ask.
JordanMaple Market
Let’s review the information and discuss the next steps with your broker.
General liability insurance policy
Coverage terms · Limits
The coverage a lease almost always lists, with the per-occurrence and aggregate limits the lease sets.
The owner, the property manager and sometimes the lender, each named exactly as the lease names them.
Evidence that you insure your contents and any improvements the lease makes your responsibility.
Many leases ask each side’s insurer to give up recovery against the other, and the certificate should show it.
If you have employees, or the lease sets liability limits above your primary policy, these appear on the certificate too.
Extends your liability policy to the landlord for claims arising from your use of the space, as the endorsement words it. Without it, naming the landlord on the certificate adds no coverage.
Stops your insurer from pursuing the landlord to recover what it paid on a claim. It has to be on the policy, not just typed onto the certificate.
Some leases ask that your policy respond before the landlord’s own insurance. That takes endorsement wording, which your Spot team requests through your broker and insurer.
Pick the policies the lease lists from the ones in your Spot workspace.
Enter the landlord’s legal name and the address the property manager uses for notices.
Upload the lease clause or the manager’s request, or list what it asks for, so the certificate reflects it.
Check names, limits and dates against the lease, then download the certificate or send it to the property manager.
The building’s owner is often a separate company from the manager you deal with. Use the names in the lease.
Typing “additional insured” onto a certificate doesn’t change the policy. The endorsement has to be in place.
If the lease sets higher limits than your policy, the certificate will show the shortfall. Raise the limit or add an umbrella first.
A certificate shows policy dates. When the policy renews, the landlord needs a new one.
Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready.
Explore coverageCommercial property insurance with Spot: every location prepared for the market and proposals compared on valuation, coinsurance, deductibles and exclusions.
Explore coverageBuy a business owner’s policy with Spot: a prepared submission, packages compared on property, liability and income terms, and certificates ready when asked.
Explore coverageUmbrella and excess liability with Spot: contract limits checked, the underlying schedule confirmed and attachment terms compared before you bind.
Explore coverageWorkers’ compensation with Spot: state requirements checked, payroll and job classifications described correctly, and broker proposals compared before you bind.
Explore coverageGenerate the certificate yourself in the Spot app from your policies, and your Spot team handles any endorsement the lease calls for.
Read these before you choose a policy or an insurer.
