Insurance requirements

See what's missing before it matters.

Tell Collateral what coverage you expect. It compares each certificate against it and gives you a short list of what looks expired, missing or low.

  • Free for up to 50
  • No credit card
  • They don't need an account

How it works

Insurance requirements

  1. 1

    Start from sensible defaults

    Every account starts with common requirements you can change in a minute.

  2. 2

    Adjust per project

    Override only what changes for a job, property or event. Everything else follows your standard.

  3. 3

    Read the results

    Each certificate gets a plain status: appears current, expiring soon, missing information, potential issue or expired.

Insurance requirements

The details

  • The lines that matter

    General liability, auto, workers comp and employers liability, and umbrella or excess, with their limits.

  • Endorsement indications

    Flags when your requirements ask for Additional Insured or Waiver of Subrogation and the certificate doesn't show it.

  • Umbrella counted

    An umbrella or excess policy that makes up a shortfall in underlying limits is counted, and the result says so.

  • Findings you can read

    For each requirement: what you asked for, what was found and the result. No black-box score.

  • Your judgement wins

    Accept a finding with a reason and an optional review date. It's recorded, and it resets if anything changes.

  • Informational, not a guarantee

    Collateral highlights potential issues. It never declares anyone "compliant", and the decision stays yours.

Useful for

Wherever you need proof of insurance.

Works well with

Everything it takes to keep certificates current.

Know who needs a second look.

Free for up to 50 people and businesses. No credit card.