The practical answer
Leases require tenants to carry coverage naming the landlord; vendor contracts require the same of every trade that services the building. Multiply by a portfolio and the certificate file becomes a full-time chore — one that determines who pays when a pipe bursts.
CoverWarden checks every tenant and vendor certificate against the lease requirements automatically, and chases renewals so coverage never quietly lapses between inspections.
Lease requirements, verified against the actual endorsements
Additional insured status and waiver of subrogation are lease staples — and they only exist if the endorsement pages say so. CoverWarden reads those pages, identifies the forms, and quotes the wording, so asset management's compliance report reflects reality.
Per-property, per-tenant flexibility
Set portfolio defaults, then override per tenant or vendor where a lease negotiates different limits. Compliance rolls up to one dashboard across the portfolio.
Tenant and vendor records, one compliance method
Tenants submit evidence under a lease; vendors submit it under a service contract. Both still require the same disciplined review: correct legal entity, active policy period, adequate limits, and the actual endorsements promised by the agreement. CoverWarden keeps those checks consistent while allowing each record to carry its own requirement override.
Make the audit trail useful to asset management
A portfolio view shows current, expiring, deficient and missing certificates. Open a record to see the PDF, cited endorsement evidence and every renewal request. Export the vendor list for reporting, and use the activity history to explain when a party was asked for corrected coverage and what arrived in response.
Keep coverage decisions human and evidence explicit
CoverWarden records submitted evidence, requirements, findings, and authorized decisions. It does not issue coverage, guarantee claim outcomes, or replace your broker, attorney, or risk professional.
What teams usually ask
How do tenants submit certificates?
Each tenant/vendor record has a no-login upload link — include it in lease onboarding and renewal notices, or let their broker use it directly. Emailed certificates can also file themselves via the Gmail connection.