Last reviewed: June 18, 2026 by Policyhold Compliance Team

Commercial Auto missing when vendor uses vehicles for work

Required when subs drive to the site, haul materials, or use vehicles in scope.

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What this issue means

The certificate does not show automobile liability for owned, hired, or non-owned autos.

Why it matters for mobilization

Vehicle-related incidents on or en route to your project create exposure without auto coverage.

How to resolve it

Ask the broker to add commercial auto with combined single limit meeting your contract minimum.

When approval should be blocked

Block mobilization when contract requires auto and the certificate omits it.

Recommended next step

Request commercial auto liability on the certificate before site access.

Related issues

COI tracking for general contractors · Insurance requirements generator