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COI Missing Waiver of Subrogation

Learn what this COI deficiency means, why it matters, and what to ask the vendor or broker to correct.

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COI Missing Waiver of Subrogation

What this means

The certificate does not show a Waiver of Subrogation indicator or required wording.

This can delay vendor approval, project start, tenant move-in, or contractor onboarding.

Why it matters

A Certificate of Insurance is usually reviewed before a vendor starts work. If required information is missing, expired, unclear, or below the required limit, the document may need to be corrected before approval.

What to check

Review:

  • Named Insured
  • Policy dates
  • Coverage row
  • Policy limits
  • Certificate Holder
  • Description of Operations
  • Additional Insured indicators
  • Waiver of Subrogation indicators
  • Authorized representative signature

Sample correction email

Subject: Updated COI Required

Hi [Vendor Name],

Please provide an updated COI showing Waiver of Subrogation where required by contract.

Thank you.

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Disclaimer

This page provides document-review information only. It does not provide legal advice, insurance advice, or confirmation that coverage is active.