HYPOTHETICAL EXAMPLE
An operational scenario
A lease requires the tenant to indemnify the airport and provide specified additional insured status. The tenant supplies a certificate but has not compared the endorsement with the operations covered by the lease.
Illustrative example only; this is not a Montridge client or reported claim.
The insurance distinction
A certificate describes insurance; it does not amend the policy. Additional insured status, waiver of subrogation and cancellation notice obligations must be evaluated against actual endorsements and any applicable law.
What to examine
Extract required limits, parties, activities, premises, primary wording, waiver and notice terms. Have counsel address legal enforceability while the broker evaluates insurance response. Flag obligations that cannot be confirmed from the supplied policy.
Evidence to gather
- Full lease and amendments
- Insurance specifications
- Actual endorsements and policy forms
- Certificates and evidence of required notices
Questions for your review
- Who must be insured and for which activities?
- Does the indemnity exceed available insurance?
- Which provisions remain subject to counsel or insurer review?
References and review status
- USAIG airport liability coverage areas
Separate coverage areas, not universal policy terms or evidence of Montridge access - USAIG airport insurance application
Submission inputs, not a coverage grant
References support the indicated background topic. Review questions are educational analysis; no specific policy specimen has been supplied. Source checks: November 12, 2026.