Last reviewed: June 18, 2026 by Policyhold Compliance Team

General Liability missing entirely

GL is required for most construction subcontractor agreements involving physical work. Flag only when your contract or program requires it.

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What this issue means

The certificate does not list a Commercial General Liability policy.

Why it matters for mobilization

GL covers third-party bodily injury and property damage arising from the subcontractor work.

How to resolve it

Send your insurance requirements to the sub broker and request an ACORD 25 with GL limits and policy numbers.

When approval should be blocked

Block site access when your contract or program requires GL and it is not documented on a current certificate.

Recommended next step

Request a certificate including Commercial General Liability with limits meeting your contract.

Related issues

COI tracking for general contractors · Insurance requirements generator