---
title: "Certificate of Insurance for a Lender"
description: "Get a certificate of insurance for a lender: Spot checks the loan’s insurance terms, gets the lender named on your policies and lets you generate proof for closing."
canonical: "https://spot.insure/certificate-of-insurance/lender"
page-type: "product"
entities: ["Spot"]
entity: "Spot"
page-role: "product"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/certificate-of-insurance/lender)

## Agent Guide

**What this page is:** Get a certificate of insurance for a lender: Spot checks the loan’s insurance terms, gets the lender named on your policies and lets you generate proof for closing.

**Limits (do not over-claim):**
- Describes Spot's own service; it does not establish coverage terms or outcomes for any company.

**Related pages:**
- [Spot home](https://spot.insure/) — product overview
- [Sitemap](https://spot.insure/sitemap) — inventory of all public pages

# Give your lender the proof of insurance their loan requires

Generate the liability certificate your lender wants in the Spot app, and your Spot team gets the lender named on your property policy where the loan requires it.

- The loan’s insurance terms checked before closing
- Lender named on your property policy through your broker
- Keep your broker or switch, with no commissions on premiums

[Get Started](https://app.spot.insure/signup?intent=certificates&coverage=commercial-property&icp=real-estate)

## How it works

- **Send the loan’s insurance terms.** Upload the commitment letter, loan agreement or closing checklist. Your Spot team lists the coverage and lender wording it requires.
- **Get the lender on your policies.** We work with your broker and insurer to add the lender as mortgagee or loss payee on property and as additional insured on liability, as the loan asks.
- **Generate proof for closing.** Create the liability certificate in the Spot app with the lender as certificate holder, and send it to their closing team.
- **Keep the lender current.** Lenders track renewal dates. Your renewed policies sit in your Spot workspace, so you can send new proof when they ask.

## What your certificate needs to show

- **Property insurance on the collateral.** Cover for the building or equipment the loan finances, valued the way the loan agreement asks.
- **Lender as mortgagee or loss payee.** So the lender is paid on a covered property loss to the collateral, as the loan terms set out.
- **General liability.** With the lender often listed as an additional insured, especially on real estate loans.
- **Property evidence on the lender’s form.** Many lenders want property evidence on a separate property form, such as ACORD 28, as well as a liability certificate.
- **Notice of cancellation.** The lender wants to hear if the policy is cancelled. That’s set by policy provisions, not by the certificate’s wording.

## Endorsements to check

- **Mortgagee or loss payee.** Names the lender on the property policy so it shares in payment for covered damage to the collateral. Your Spot team has your broker request it from the insurer.
- **Additional insured.** Extends your liability policy to the lender for claims tied to the property or your operations, as the endorsement words it.
- **Lender notice of cancellation.** Where available, an endorsement that commits the insurer to notify the lender. A certificate can’t promise notice on its own.

## Generate your certificate in Spot

- **Choose the policies the lender wants.** Pick your liability policies, and the property policy that insures the collateral.
- **Add the lender.** Enter the lender’s legal name and the address its loan servicing team uses, with “its successors and assigns” if the loan asks.
- **Add the loan details.** Upload the closing checklist or list the requirements, including the loan number and property address for the description.
- **Review, then send.** Confirm the lender’s name, the collateral and the dates, then download the certificate or send it to the closing team.

## Mistakes to avoid

- **Certificate holder without the endorsement.** Listing the lender as certificate holder doesn’t make it a mortgagee or loss payee. The policy has to say so.
- **Missing successors and assigns.** Many loans are sold or serviced by someone else. Use the exact lender clause the loan documents give.
- **Waiting until the week of closing.** Endorsements and property evidence take time. Send the lender’s requirements as soon as you have them.

[Generate a COI in Spot](https://app.spot.insure)

## Coverage

- [Commercial property](https://spot.insure/insurance/commercial-property)
- [General liability](https://spot.insure/insurance/general-liability)
- [Business owner’s policy](https://spot.insure/insurance/business-owners-policy)
- [Builders risk](https://spot.insure/insurance/builders-risk)
- [Tools, equipment and inland marine](https://spot.insure/insurance/inland-marine)
- [Umbrella and excess liability](https://spot.insure/insurance/umbrella-excess)

## Common questions

### Can I generate the lender’s certificate myself?

Yes. Spot customers create liability certificates in the Spot app from their own policies. If the lender wants property evidence on its own form, your Spot team gets it from your broker.

### What’s the difference between a mortgagee and an additional insured?

A mortgagee or loss payee is paid on covered damage to the collateral under your property policy. An additional insured is covered for claims under your liability policy. Loans often ask for both.

### Does naming the lender on the certificate protect their interest?

No. The certificate shows what the policies say. The lender has to be named on the policy by endorsement, which your Spot team requests through your broker and insurer.

### Do I need to change brokers for my loan?

No. Your current broker can keep the account, and Spot takes no commissions on premiums. If they can’t meet the loan’s terms, we can introduce another.

## More

- [Certificates of insurance](https://spot.insure/certificate-of-insurance)

## Agent and Developer Resources

- [Markdown page](https://spot.insure/certificate-of-insurance/lender.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)