Last reviewed: June 18, 2026 by Policyhold Compliance Team

Umbrella/Excess missing when contract requires it

Larger commercial jobs and high-risk trades often require umbrella or excess layers.

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What this issue means

No umbrella or excess liability policy is listed when your contract requires higher limits.

Why it matters for mobilization

Primary GL limits may be insufficient for owner-driven or large commercial programs.

How to resolve it

Provide your contract limit exhibit to the broker and request umbrella following form over underlying policies.

When approval should be blocked

Hold mobilization until umbrella limits documented when contractually required.

Recommended next step

Request umbrella/excess limits per your contract before approving the vendor.

Related issues

COI tracking for general contractors · Insurance requirements generator