Property Management

Vendor Certificates and Endorsements for Property Managers

A property manager should collect evidence tailored to each vendor's work: a current certificate, relevant policy details, and actual endorsements when the contract requires additional-insured, primary/noncontributory, waiver-of-subrogation, completed-operations, auto, workers' compensation, professional, or pollution protection. On ISO forms each of those is a separate endorsement with its own edition and schedule: CG 20 10 (ongoing operations) and CG 20 37 (completed operations) for contractors, CG 20 26 for a designated person or organization, CG 20 01 for primary and noncontributory wording, and CG 24 04 for the general liability waiver, with separate waiver forms for workers' compensation and auto. The exact requirements depend on the service, contract, jurisdiction, owner or association, and policy form. A certificate does not grant coverage, replace an endorsement, or prove that exclusions do not apply; the ACORD 25 form says so on its face.

Key takeaways

  • Start with the service and contract, then request evidence that matches actual exposure.
  • A certificate is a summary; it is not an insurance policy or endorsement. The ACORD 25 certificate states that it confers no rights on the holder and does not amend, extend, or alter the listed policies, and ACORD's guidance says only an endorsement, rider, or amendment changes coverage.
  • Additional-insured status for a contractor's work comes in two ISO forms: CG 20 10 for ongoing operations (which, since 2001, excludes injury or damage after the work is completed) and CG 20 37 for completed operations; a roofing or restoration vendor whose work can fail later needs the second form, not only the first.
  • The requested owner, manager, association, and lender names must be accurate.
  • Re-check evidence when policies expire, work expands, or subcontractors enter.
  • Legal review is appropriate for indemnity, waiver, additional-insured, and enforceability questions.

Request evidence from the work backward

A janitorial vendor, roofing contractor, elevator service company, security provider, restoration firm, and consultant do not present the same exposure. Record the work, property access, use of subcontractors, vehicles, equipment, design or advice, hot work, water or mold response, and occupied-site interaction. Then compare the contract's insurance exhibit with the actual service.

The manager should identify the owner, association, manager, lender, and any affiliate that needs a policy role. Use exact legal names and tell the vendor if the work or entity changes. A generic request for a certificate can miss the endorsement or specialty line that matters.

Know what each document proves

A certificate summarizes selected policy information as of its issue date. It does not amend the policy: the ACORD 25 form states that it is issued as a matter of information only, confers no rights upon the certificate holder, and does not amend, extend, or alter the coverage afforded by the listed policies, and ACORD's certificate guidance adds that only an endorsement, rider, or amendment to the policy changes coverage. An actual additional-insured endorsement is the document to examine when the contract requests that status; primary/noncontributory and waiver-of-subrogation language also require actual policy review. A policy declaration can show dates and limits but not every exclusion or condition.

The endorsement's form number, edition date, and schedule tell you what was granted. For a contractor's work, ISO's CG 20 10 covers the owner or manager for injury or damage caused in whole or in part by the vendor's ongoing operations and, since the 2001 editions, excludes injury or damage after the work is completed or put to its intended use; CG 20 37 is the separate completed-operations form, so a roofing, waterproofing, or restoration vendor whose work can fail months later needs both. CG 20 26 adds a designated person or organization for the vendor's ongoing operations or premises. Since the 2013 editions these forms apply only to the extent permitted by law, no broader than the contract requires, and for no more than the lesser of the contract-required amount and the policy limit, which makes the management agreement's and vendor contract's insurance clauses part of the coverage analysis. Primary and noncontributory wording is its own endorsement (CG 20 01), which applies only where the vendor agreed to it in a written contract, and the general liability waiver (CG 24 04) waives only the insurer's recovery rights, with separate waiver forms for workers' compensation and auto.

For a consultant, designer, security provider, environmental contractor, or other specialist, ask whether professional or pollution coverage is appropriate to the work. For vehicles or employees, review auto and workers' compensation evidence. Limits and forms should be reviewed by an insurance professional rather than treated as universal requirements.

Sources for this section: City of Riverside, California: Sample certificate package: ACORD 25 with CG 20 26 04 13, CG 24 04 05 09, CG 20 01 04 13, CA 04 44, and workers compensation waiver endorsements; ACORD: Certificates of Insurance: Frequently Asked Questions; New York City Department of Cultural Affairs: CG 20 10 04 13, Additional Insured—Owners, Lessees or Contractors—Scheduled Person or Organization (sample); Independent Insurance Agents of Texas: CG 20 37 04 13, Additional Insured—Owners, Lessees or Contractors—Completed Operations; International Risk Management Institute (IRMI): 2013 ISO Additional Insured Endorsements: Putting the Changes into Context for the Construction Industry (Mark Bell, August 2013); International Risk Management Institute (IRMI): The 2013 Edition of the CGL Policy (Craig Stanovich, March 2013); International Risk Management Institute (IRMI): Subrogation and the CGL Policy (Craig Stanovich, December 2013).

Run the evidence file like an operating control

Keep the signed contract, current certificate, requested endorsements, policy period, vendor scope, locations, contact, and subcontractor information together. Calendar expiration and require updated evidence before the next project or renewal. Use a status such as verified, exception pending, or not approved; do not silently let an incomplete file pass as complete.

Limit access to personal or banking information in vendor records. FTC guidance supports reasonable data-security practices, and CISA's phishing material is relevant when a vendor sends payment or bank-change instructions. Neither source verifies a certificate or decides a claim.

Escalate gaps before work or after an incident

If a vendor cannot provide the requested evidence, pause access when practical, escalate to the owner or board, and document the decision. An emergency may require a controlled exception with an identified approver and follow-up deadline. Do not rewrite a certificate or represent that an endorsement exists when it has not been verified.

After an incident, preserve the contract, certificate, endorsements, policy details, work records, photos, and communications. Notify the appropriate parties under their policy instructions. The absence of a vendor endorsement does not by itself decide responsibility or coverage; the allegations, contracts, policies, and facts must be reviewed. Completed-operations status for a period after the vendor's work is finished exists only while a CG 20 37-type endorsement is attached to each successive policy during that period, so a long-tail vendor file needs a renewal diary, not a one-time check.

Sources for this section: International Risk Management Institute (IRMI): Questions and Answers on Additional Insured Issues—Part 2 (Jack Gibson, July 2009).

Evidence hierarchy

ItemUse it toDo not use it to
CertificateTrack represented insurer, policy period, and selected limitsCreate coverage or prove an endorsement (ACORD 25 states it confers no rights and does not amend the policies)
DeclarationsConfirm named policy, period, and selected limitsAssume all exclusions and conditions are satisfied
EndorsementCheck the form number, edition date, and schedule of the requested additional-insured (CG 20 10, CG 20 37, CG 20 26), primary and noncontributory (CG 20 01), or waiver (CG 24 04) wordingResolve every contract or legal issue
ContractSet requested work, insurance, and responsibility termsAmend an insurer's policy without insurer action

Sources for this section: City of Riverside, California: Sample certificate package: ACORD 25 with CG 20 26 04 13, CG 24 04 05 09, CG 20 01 04 13, CA 04 44, and workers compensation waiver endorsements; New York City Department of Cultural Affairs: CG 20 10 04 13, Additional Insured—Owners, Lessees or Contractors—Scheduled Person or Organization (sample); Independent Insurance Agents of Texas: CG 20 37 04 13, Additional Insured—Owners, Lessees or Contractors—Completed Operations; International Risk Management Institute (IRMI): The 2013 Edition of the CGL Policy (Craig Stanovich, March 2013); International Risk Management Institute (IRMI): Subrogation and the CGL Policy (Craig Stanovich, December 2013).

Vendor evidence file

  • Describe actual work, access, vehicles, subcontractors, and specialized services.
  • Use the correct owner, association, manager, affiliate, and lender legal names.
  • Collect current certificate and actual required endorsements or policy pages.
  • Review workers' compensation, auto, professional, pollution, and umbrella evidence where the work warrants it.
  • Calendar expiration, scope changes, subcontractors, and renewal re-verification.
  • Document exceptions and approvals; never alter a certificate or imply coverage.

Hypothetical: Hypothetical — certificate without additional-insured endorsement

A landscaping certificate lists the manager and owner in a notes field, but the contract requested an additional-insured endorsement. A later injury occurs. The notes field does not answer insured status; the issued endorsement, policy, contract, allegations, and facts must be reviewed.

Additional questions

Is a certificate enough for a routine repair?

It may be a useful evidence starting point, but the requirement should match the work and contract. The certificate itself states that it confers no rights and does not amend the policies it lists, so for higher-risk or specialized work, review actual endorsements and policy details rather than relying on a certificate alone.

Which endorsement covers the vendor's work after it is finished?

On ISO forms, CG 20 37 (Additional Insured—Owners, Lessees or Contractors—Completed Operations). CG 20 10 covers ongoing operations only and, since the 2001 editions, excludes injury or damage after the work is completed or put to its intended use. Carriers may use their own equivalents or automatic forms, and the edition attached controls.

Should the owner and manager both be additional insureds?

That is a contract- and policy-specific question. Identify the entities and request the status required by the agreement, then confirm the actual endorsement with the insurance professional.

How often should certificates be updated?

Update them when the policy expires, the work or entity changes, a new subcontractor enters, or the contract requires it. Use a documented process rather than an arbitrary calendar assumption.

Sources

General insurance education, not legal, accounting, actuarial, professional-standards or policy-specific advice. Coverage depends on the policy form, endorsements, limits, deductibles, exclusions, jurisdiction and facts. Submission does not bind coverage or guarantee a quotation or carrier approval.