Last reviewed: June 18, 2026 by Policyhold Compliance Team

Umbrella schedule does not align with primary policies

Umbrella underlying schedule policy numbers should match GL, auto, and employers liability. Policy-number mismatches warrant broker confirmation; minor formatting differences alone may not mean the umbrella is invalid.

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What this issue means

Policy numbers on the umbrella schedule do not match the primary policies on the certificate.

Why it matters for mobilization

Misaligned schedules can mean the umbrella does not drop down over the intended underlying coverage.

How to resolve it

Request a corrected umbrella declaration page or revised certificate from the broker.

When approval should be blocked

Follow up before approval on projects requiring umbrella coverage.

Recommended next step

Ask the broker to confirm umbrella follows form over listed underlying policies.

Related issues

COI tracking for general contractors · Insurance requirements generator