Last reviewed: June 18, 2026 by Policyhold Compliance Team

Coverage limits below contract requirements

Confirm per-occurrence, aggregate, and umbrella limits meet or exceed your contract exhibit.

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What this issue means

Stated limits on the certificate are lower than your written subcontract insurance requirements.

Why it matters for mobilization

Under-limits coverage does not satisfy your risk transfer program or owner requirements.

How to resolve it

Use your requirements spec and ask the broker to reissue with compliant limits or provide evidence of increased limits.

When approval should be blocked

Do not approve until limits meet contract minimums on all required lines.

Recommended next step

Request a revised certificate meeting your contract limit minimums.

Related issues

COI tracking for general contractors · Insurance requirements generator