Primary and Non-Contributory Certificates
Your Spot team requests primary and non-contributory wording through your broker and insurer, and you generate the certificate that shows it in the Spot app.
Upload the clause asking for primary and non-contributory coverage. Your Spot team checks which policies and parties it applies to.
General liability insurance
Alder Builders · Policy review
Confirm with your broker
Limits, exclusions, and endorsements
We check whether your additional insured endorsement already makes coverage primary and non-contributory where a contract requires it.
If not, your Spot team requests it through your broker and insurer and confirms when it’s on the policy.
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MorganAlder Builders
RileySpot
Create the certificate in the Spot app, with the wording noted in the description, and send it.
MorganAlder Builders
Certificate of insurance
Alder Builders
Ready for your review
Your policy responds first for covered claims arising from your work, before the other party’s insurance.
Your insurer won’t ask the other party’s insurer to share the loss.
Usually requested for the same parties that are additional insureds on your policy.
Changes how your policy shares a covered loss with the other party’s insurance, in their favor. It only applies when the policy is endorsed.
The other party usually has to be an additional insured first, since primary and non-contributory wording is about the cover they receive under your policy.
Pick the liability policy that carries the primary and non-contributory endorsement.
Enter the certificate holder’s name and address.
Upload or describe the requirement so the certificate’s description refers to it.
Check the additional insured and primary wording on the certificate, then download or send it.
Additional insured status alone doesn’t make your coverage primary. Check the endorsement’s wording.
If the contract asks for primary and non-contributory on the umbrella too, its wording needs checking separately.
Writing “primary and non-contributory” on a certificate doesn’t make it so. The policy has to be endorsed.
Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready.
Explore coverageUmbrella and excess liability with Spot: contract limits checked, the underlying schedule confirmed and attachment terms compared before you bind.
Explore coverageCommercial auto with Spot: one submission for your vehicles and drivers, and proposals compared on liability, vehicle damage, deductibles and who’s covered.
Explore coverageYour Spot team requests primary and non-contributory wording through your broker and insurer, and you generate the certificate that shows it in the Spot app.
Read these before you choose a policy or an insurer.
