Frequently Asked Question:

Why Does the General Contractor Keep Rejecting My Certificate of Insurance? 

Insurance Type
Related Industries
Fire Protection
Contractors & Trades
Construction
Related Coverages
General Liability
Umbrella / Excess

The Short Answer

Almost always wording rather than limits. Blanket additional insured, primary and non-contributory, and waiver of subrogation all have to be supported by the underlying policy form before a certificate can state them — a certificate that claims coverage the form does not grant gets caught at review.

The Full Answer

A certificate is evidence, not coverage. It reports what the policy says. When a general contractor’s risk manager rejects one, they have usually compared it against the subcontract and found something the policy behind it cannot actually deliver. Raising limits does not fix any of the four most common reasons. 

What gets a certificate sent back: 

Additional insured status that is scheduled rather than blanket. The subcontract asks for blanket AI including completed operations. A scheduled endorsement naming one entity does not satisfy it, and completed operations is the part most often missing. 

No primary and non-contributory wording. Without it, your carrier can argue the GC’s policy shares the loss. Risk managers check for this specifically because it decides who pays first. 

Waiver of subrogation absent. Standard subcontracts require it. It has to be endorsed onto the policy; it cannot be added to a certificate. 

The wrong named insured or description of operations. A DBA on the certificate that does not match the entity on the subcontract will stop the job at the gate, and so will a description that reads “general contractor” when you are performing fire protection work. 

How Liberty structures your protection: 

Liberty reads the subcontract against the policy form before the certificate is issued, so the wording is confirmed rather than assumed — which is the difference between a rejected certificate and a start date that holds. 

Related Questions

Food trucks and caterers need the same core liability and property coverage as a restaurant, plus commercial auto coverage for the vehicle itself and often broader off-premise liability for events held at third-party venues.

Yes — liquor liability requirements are based on whether a business serves alcohol for profit, not which type of alcohol it pours, so beer- and wine-only restaurants carry the same dram shop exposure as a full bar.

Often yes, but only if the illness resulted from an incident rather than an ongoing exclusion in the policy — most standard general liability policies cover bodily injury from a single contaminated batch or ingredient, subject to the policy’s terms.

Contact Us

More questions? Talk to an Expert

Contact Liberty to work with an expert that can answer all your questions.