Enter the coverage, dollar limit, maximum deductible and due date.
WHAT THE LEASE REQUIRES · WHAT YOUR INSURANCE SHOWS
Does the insurance match the lease?
Start with an industrial, office or retail example. Enter what the lease asks for, add the insurance documents you received and see missing limits, wording, dates and annual costs in one place.
Distinguish certificate, declarations, policy wording, endorsements and broker confirmation.
Expose entered limits, deductibles, business-income periods, parties and wording controls.
Preserve owners, dates, costs, exceptions and the complete renewal evidence package.
PRIVATE WORKSHEET · SAVED ON THIS DEVICE
Check the lease against the insurance you have.
Work from left to right: choose a sample, enter the lease requirements, add the documents received and link each document to the requirement it is meant to prove.
Keep private information out: use short document references—not full policy numbers, banking details, signatures, claim details or personal information. A certificate alone may not show all policy wording or endorsements.
Not sure what goes where? Read this first.
Lease requirements are the insurance promises written in the lease—for example, “$5 million commercial general liability” or “landlord named as additional insured.”
Insurance documents are what you received from the broker or insurer, such as a certificate, policy summary or endorsement. Add each document once.
Linking tells the tool which document is supposed to prove each lease requirement. The tool then shows what matches, what is missing and what needs a broker or lawyer to confirm.
based only on the limits, dates and checkboxes entered below
Premium change +$6,000
$15,000,000 total entered limit shortfall
0 overdue evidence target(s)
01 · LEASE AND ANNUAL COST
Name the lease and enter what the insurance program costs each year.
02 · WHAT THE LEASE REQUIRES
Add one row for each type of insurance the lease asks for.
01 · Commercial general liabilityCommercial general liability
02 · PropertyTenant property, stock and improvements
03 · Business interruptionBusiness interruption and extra expense
04 · AutomobileOwned and non-owned automobile
05 · Equipment breakdownEquipment breakdown
06 · Pollution / environmentalPollution / environmental liability screen
03 · INSURANCE DOCUMENTS RECEIVED
Add the certificate, policy summary or endorsement you actually have.
01 · Commercial general liabilityCGL certificate and endorsements
02 · PropertyTenant property and improvements
03 · Business interruptionBusiness interruption schedule
04 · AutomobileOwned and non-owned automobile
05 · Equipment breakdownEquipment breakdown
06 · Pollution / environmentalContractor pollution evidence
04 · REQUIREMENT-TO-EVIDENCE RECONCILIATION
One row for every promise the program must support.
| Coverage | Status | Required | Linked | Limit gap | Deductible excess | Controls | Earliest expiry | Evidence |
|---|---|---|---|---|---|---|---|---|
| Commercial general liabilityCommercial general liability | gap | $5,000,000 | $0 | $10,000,000 | $0 | Additional insured · Waiver of subrogation · Cross-liability · Cancellation / change notice | — | CGL certificate and endorsementsBroker verification incomplete · Certificate-only or missing policy / endorsement reference · Linked evidence is not yet effective as of the analysis date |
| Tenant property, stock and improvementsProperty | gap | $5,000,000 | $0 | $5,000,000 | $0 | Waiver of subrogation | — | Tenant property and improvementsBroker verification incomplete · Certificate-only or missing policy / endorsement reference · Linked evidence is not yet effective as of the analysis date |
| Business interruption and extra expenseBusiness interruption | gap | $0 | $0 | $0 | $0 | Entered controls supported | — | Business interruption scheduleBroker verification incomplete · Certificate-only or missing policy / endorsement reference · Linked evidence is not yet effective as of the analysis date |
| Owned and non-owned automobileAutomobile | gap | $2,000,000 | $0 | $2,000,000 | $0 | Entered controls supported | — | Owned and non-owned automobileBroker verification incomplete · Certificate-only or missing policy / endorsement reference · Linked evidence is not yet effective as of the analysis date |
| Equipment breakdownEquipment breakdown | gap | $1,000,000 | $0 | $1,000,000 | $0 | Entered controls supported | — | Equipment breakdownBroker verification incomplete · Certificate-only or missing policy / endorsement reference · Linked evidence is not yet effective as of the analysis date |
| Pollution / environmental liability screenPollution / environmental | gap | $2,000,000 | $0 | $2,000,000 | $0 | Entered controls supported | — | Contractor pollution evidenceMissing valid effective date · Missing valid expiry date · Broker verification incomplete · Certificate-only or missing policy / endorsement reference · Linked evidence is not in a counted workflow state |
MODEL BOUNDARIES
A reconciliation file—not an insurance opinion.
- All requirements, evidence states, dates and amounts are user-entered and must be verified against the complete current lease, amendments, policies, endorsements and broker advice.
- Linked nominal limits are added only for comparison. The model does not determine whether policies stack, respond, overlap, exclude a loss or satisfy the lease.
- A certificate can evidence selected facts but is not treated as the complete policy or endorsement wording.
- Status labels are workflow outputs only. They do not establish insurance compliance, breach, waiver, legal effect, claim coverage or recovery.
- Premiums, deductibles, reserves and shortfalls are presented separately. Limit gaps and deductible excesses are not expected-loss estimates.
- Use qualified insurance, legal, accounting, tax, risk, environmental and technical advisers for the actual transaction and operations.
Carry the insurance file into the lease workflow
- Research industrial space on IndustrialLeasing.ca
Warehouse, flex and distribution space research for Canadian industrial requirements.
- Commercial advisory at Commercially.ca
The advisory practice behind this tool, covering occupier and owner lease strategy.
- Work with a Calgary commercial advisor
When a local Calgary advisor is the logical next step on a live requirement.