Reference
Certificate of Insurance Requirements
Send this page to your contractor’s insurance agent. Every certificate is issued on the standard ACORD 25 form — what matters is which boxes carry which names.
What we check
- 1Named insured must be the company entering the propertyThe certificate has to be in the name of the contractor who will actually be on site, matching the license provided. A certificate for a parent company, a broker or a subcontractor's subcontractor will be declined.
- 2The policy must be activeEffective and expiry dates must cover the whole work period. Expired policies are declined.
- 3Workers' compensation is requiredA workers' compensation exemption is not accepted. The contractor must carry the coverage.
- 4Certificate holder must be the associationListed under the association's full legal name at its correct address — not the unit owner, and not the management company.
- 5The ADDL INSD column must be checkedAn X in the ADDL INSD box on the general liability line. Wording in the description box alone is not enough without the box checked.
- 6Both the association and Stalwart Management as additional insuredNamed in the Description of Operations box. The required wording is set out below.
Required additional insured wording
This goes in the Description of Operations box. Replace the bracketed parts. A missing or altered version of this sentence is the most common reason a certificate is sent back.
[ASSOCIATION LEGAL NAME], [ASSOCIATION ADDRESS] & Stalwart Management, 6065 NW 167th St. STE B20, Hialeah, FL 33015 is listed as an additional insured with regards to the above referenced policy per [POLICY NUMBER].
Both parties must appear: the association and Stalwart Management. Either one alone will be declined.
Box by box
| ACORD 25 box | What goes in it | Note |
|---|---|---|
| PRODUCER | [INSURANCE AGENCY NAME] [AGENCY ADDRESS] [AGENT NAME] · [PHONE] · [EMAIL] | The agency issuing the certificate. |
| INSURED | [CONTRACTOR LEGAL NAME] [CONTRACTOR ADDRESS] | Must be the company entering the property, matching the license you attached. |
| COMMERCIAL GENERAL LIABILITY | Policy [POLICY NUMBER] · Eff [MM/DD/YYYY] – Exp [MM/DD/YYYY] Each occurrence [LIMIT] · General aggregate [LIMIT] | Dates must cover the whole work period. The ADDL INSD box on this line must be checked. |
| WORKERS COMPENSATION | Policy [POLICY NUMBER] · Eff [MM/DD/YYYY] – Exp [MM/DD/YYYY] | Required. An exemption certificate is not accepted in place of coverage. |
| CERTIFICATE HOLDER | [ASSOCIATION LEGAL NAME] [ASSOCIATION ADDRESS] | The association — not the unit owner, and not Stalwart Management. |
Send certificates to VendorSupport@Stalwartmgt.com, or attach the certificate directly to your architectural request so it stays with the file.
Every value shown on this page is a placeholder. This is a guide to completing a certificate, not a certificate, and it is not evidence of any coverage.