Employers' liability certificate validator
Type in what the certificate says. Get an instant, itemised verdict on the insured entity, insurer, policy number, period of cover and whether the limit clears both the £5m statutory minimum and your client's requirement.
Who this is for and what it solves
- Contractors and ops leads checking subcontractor insurance before site access
- Procurement and compliance leads onboarding suppliers with staff
- Subcontractors checking their own certificate before submitting it
Employers' liability certificates get skimmed for a date and filed. The problems that actually bite - an insured name that is not your counterparty, a limit under the statutory minimum, cover that starts after the works do - are one careful read away. This runs that read for you, the same way every time.
Fill in the remaining fields to finish the validation. Missing detail on a certificate is itself a finding.
- Statutory requirementPass
The supplier employs staff, so compulsory employers' liability cover applies and a certificate is the right thing to hold.
- Insured entityMissing
Enter both the name on the certificate and the name on your contract so they can be compared.
- Insurer and policy numberMissing
Enter the insurer and policy number shown on the certificate. If the certificate does not carry both, it cannot be verified.
- Period of coverMissing
Enter the expiry date shown on the certificate.
- Statutory minimum (£5m)Missing
Enter the limit of indemnity shown on the certificate, for example 10m or 10,000,000.
- Display and retentionCheck
Employers must make the certificate accessible to employees, on paper or electronically. Worth confirming with the supplier and noting the answer on the record.
Want the background? Read the employers’ liability certificate explainer, or confirm a certificate is genuine with the authenticity checklist. Not legal or insurance advice.
How it works
- Step 1Enter what the certificate says
Insured name, insurer, policy number, period of cover and the limit of indemnity. Nothing leaves your browser.
- Step 2Read the itemised verdict
Eight checks, each marked pass, check, fail or missing, with the reason in plain English.
- Step 3Copy the findings
Take the result into your supplier record, or paste the failures straight into a request to the supplier's broker.
Questions and answers
One certificate you can check by hand. Fifty renew every year.
Validating a single certificate takes two minutes. Doing it for every supplier and every renewal, then catching the insured name that quietly changed at renewal - that is where checks stop happening.
Credbase reads each certificate on upload, checks the entity, limits and expiry against your rules and chases the renewal before cover lapses.
This tool is a plain-English guide for teams handling third-party paperwork. It is not legal, insurance or compliance advice. Confirm specifics with the counterparty or your own adviser before you rely on any output.
Related free tools
- Subcontractor document checklist generator
Answer a few questions about the trade and the job, get the exact document list to request from a subcontractor, plus a request email and a reminder schedule.
- Supplier document checklist
A tidy starter list of the documents most teams should hold for a new supplier. Tick them off, copy or download.
- Expiry reminder calculator
Enter a document expiry date and get sensible reminder dates plus a calendar file you can drop into Outlook or Google.
Related reading
- Featured guideCertificate of insurance (COI) tracking: the complete guide
How modern teams collect, verify and monitor certificates of insurance from suppliers and subcontractors, without spreadsheets or missed renewals.
- ExplainerWhat is a certificate of insurance (COI)?
A plain-English explainer of certificates of insurance: what a COI is, every field on it, what to check before you accept one and how to store it so you never miss a renewal.
- ExplainerEmployers' liability insurance certificate: what it is and what to check
What an employers' liability insurance certificate must show, who legally needs one, the £5m minimum, display and retention rules and how to check a subcontractor's certificate properly.