How it works
A clear path through the paperwork.
A contract can ask for more than a coverage name and a limit. The check connects each requirement with the available insurance evidence and identifies the questions that still need an answer.
The review, step by step
- 01
Start with the agreement.
Share the relevant wording, the request from your funder or contract partner, and your deadline.
- 02
Confirm the review.
Your advisor confirms the scope and whether Pembroke can help. You agree on timing after the request and available documents have been assessed.
- 03
Gather relevant evidence.
We ask for the policy documents relevant to the requirements. Depending on the question, that may include declarations, policy provisions, exclusions, or endorsements. A certificate alone may leave important questions unresolved.
- 04
Receive an action matrix.
See the requirement, the evidence reviewed, the finding, and the next action with its owner and target date.
- 05
Decide what to do next.
Some items may be supported already. Others may need more evidence, clarification, or a coverage discussion with the current broker or Pembroke. Moving your insurance is a separate decision.
What you receive
Three findings. No pass score.
Every requirement is reported on its own. The labels are deliberately plain so leadership and your current broker can act on them.
- Documented
Reviewed evidence supports the specific requirement evaluated.
- Potential mismatch
A difference or question needs further review or action.
- Not verified
Evidence is missing, insufficient, or inconclusive.
Illustrative example
What an action matrix looks like.
A fictional sample built from made-up documents. It shows the shape of the deliverable, not a real review or a result from this website.
| Contract requirement and source | Evidence reviewed | Finding | Next action, owner, and target date |
|---|---|---|---|
“Contractor shall maintain commercial general liability insurance with limits of not less than $1,000,000 per occurrence.” Exhibit C, §1(a) |
| Documented The declarations show an each-occurrence limit that meets the stated requirement for the current policy period. | No action needed for this item. Re-check at renewal. Owner: Organization |
“The County, its officers and employees shall be named as additional insureds under the general liability policy.” Exhibit C, §1(d) |
| Not verified The certificate references additional insured status, but the applicable policy provision or endorsement was not provided. A certificate alone does not confer coverage. | Request the additional insured provision or endorsement from the current broker. Owner: Current broker · Target: 2026-01-21 |
“Coverage shall include sexual abuse and molestation liability with limits of not less than $1,000,000 per claim.” Exhibit C, §1(f) |
| Potential mismatch The coverage provision appears to apply defense costs within the limit, which may reduce the amount available compared with how the requirement is worded. | Ask the advisor to compare the wording and scope, and confirm with the contracting party whether defense-within-limits is acceptable. Owner: Pembroke · Target: 2026-01-23 |
The review addresses the requirements and documents evaluated. It is not a legal opinion, a certification of the entire agreement, or a guarantee of an insurer's response to a claim.
Questions
Before you begin.
Do we need to change insurance brokers?
No. You can share the findings with your current broker. If you would like Pembroke to explore insurance options, that is a separate next step.
Can you confirm everything from our certificate?
A certificate can be a useful starting point. Specific requirements may need review of the actual policy provisions, exclusions, or endorsements. A certificate does not create or change policy coverage.
How long does the review take?
Your advisor agrees on timing after assessing the scope, urgency, and documents available.
What documents should we send?
Start with the relevant contract requirements or request. After assessing the question, the advisor identifies the insurance documents needed. Please exclude unrelated personal information and client or patient records.
Will the check tell us that we are fully compliant?
The check identifies what the reviewed evidence supports, potential mismatches, and items that cannot yet be verified. It does not certify the entire agreement or guarantee funding, contract acceptance, or claim coverage.
What if our organization is new or fiscally sponsored?
Tell us about your structure, activities, and requirements. Eligibility and documentation needs depend on the situation and available markets; there is no automatic eligibility conclusion from this website.
Can you review insurance before we launch a new program?
You can start by describing the planned activities and timing. An advisor can identify insurance questions and evidence to address before launch.
Is the review free?
Your advisor will confirm the review's scope and any applicable fee before work begins.
Ready to start with the agreement?
Share the requirement and your deadline. An advisor confirms scope and documents from there.