Your first enterprise contract came with an insurance exhibit.
Procurement wants specific limits, specific endorsements and a certificate before signature. We tell you whether you comply, what compliance costs, and what is worth negotiating.
- Technology E&O / professional liability$1M – $5M
- Cyber liability$1M – $5M
- Commercial general liability$1M per occurrence / $2M aggregate
- Workers' compensationStatutory + $1M employers liability
- Umbrella / excess liability$1M – $5M
- Additional insured & waiver of subrogationBy endorsement, on GL and auto
Ranges commonly seen. Your contracts and exposure decide the answer.
If any of these are true right now, this is the situation you're in.
- A customer sent an insurance exhibit, a vendor questionnaire or a security review
- Legal is asking whether you can meet the limits before they countersign
- Someone asked to be named as an additional insured, or for a waiver of subrogation
- A certificate is holding up a signature date
- The contract names limits higher than anything you currently carry
A customer contract just told you what to buy.
Somewhere between the security questionnaire and the redlines, a customer's legal team sends an insurance exhibit. It names professional liability, cyber, general liability, workers' compensation and often an umbrella, each at a stated limit. It asks to be added as an additional insured, for a waiver of subrogation, and for thirty days' notice of cancellation.
This is the single most common reason a technology company calls a broker, and the most common reason a deal slips. The requirements are usually satisfiable — sometimes by buying, sometimes by negotiating the exhibit down to something proportionate to the contract value, and sometimes by explaining to procurement that a professional liability policy does not add additional insureds the way general liability does.
What it needs is speed and someone who has read one before. Send us the exhibit before you sign it and you get a written answer within a business day: where you comply today, what the gap costs, and which clauses we would push back on rather than pay for.
The coverage this situation calls for
In priority order, with the reason each one is on the list.
Specifically, in this situation.
- Read the exhibit and mark the requirements you already meet
- Price the gap, and separate what to buy from what to negotiate
- Draft the response your legal team sends back to procurement
- Issue the certificate with the correct endorsements the day it is needed
- 01
Submission reviewed
Same business dayYou tell us about the business once. We read it the day it arrives and come back with anything still outstanding.
- 02
Coverage & requirements reviewed
Same business dayContracts, exposures, limits and requirements checked against what you actually need to carry — and what you don't.
- 03
Markets approached
Typically within 48 hoursWe approach carrier and wholesale markets suited to the risk, with a submission built to be read rather than skimmed.
- 04
Options compared
Typically 3–10 business daysCoverage, terms and pricing reviewed side by side — including the exclusions that decide whether a claim pays.
- 05
Bind & certificates
Promptly after approvalIssued promptly once you approve, with a plain-English summary of what you bought.
Answered.
Three: buy up, add an excess layer over your primary, or negotiate the exhibit to something proportionate to the contract. We price all three and tell you which we would choose.
Professional liability forms generally do not contemplate additional insureds. What is usually achievable is a certificate evidencing the limit and a waiver of subrogation. We put that in writing to procurement so your team isn't relaying it.
Standard requests the same business day. If the wording is unusual, we check whether the policy actually supports it before issuing rather than after.
Get covered without the runaround.
Tell us what changed. A broker reads it the same business day and comes back with what it means and what it costs.