Insurance shortfall calculator
Enter the client minimum and the supplier's current cover for each policy. See the shortfall in pounds per policy and get a ready-to-send top-up request email.
Who this is for and what it solves
- Compliance and procurement leads onboarding a new supplier against a specific client's rules
- Bid teams checking cover before a pack goes out the door
- Account managers doing an annual cover refresh across their supplier base
A supplier says they are insured. The client says the minimum is £10m. The certificate says £5m. Working out the gap for one supplier takes a minute; doing it across every supplier and every client is where cover checks quietly stop happening. This tool sizes the gap and drafts the email in the same breath.
| Include | Policy | Client minimum (£) | Current cover (£) | Status |
|---|---|---|---|---|
| Public liability | Short £5m | |||
| Employers' liability | OK · +£0 | |||
| Professional indemnity | Short £1m | |||
| Product liability | Not included |
The supplier is materially under-covered. Do not include this pack until it is fixed.
Hi, We're preparing your evidence pack for a client engagement and their contract requires the following minimum insurance cover: - Public liability: minimum £10m, current £5m (short by £5m) - Professional indemnity: minimum £2m, current £1m (short by £1m) Please could you send an updated certificate showing the minimum cover in place, or confirm your broker can arrange a top-up before the engagement starts. Happy to speak to the broker directly if that helps. Thanks,
How it works
- Step 1Set the required cover
Enter the client's minimum for each policy that applies. Untick anything the client does not ask for.
- Step 2Enter the supplier's current cover
From the certificate. The tool computes the shortfall or excess per policy.
- Step 3Copy the top-up email
Get a polite, specific request naming each shortfall and the required level, ready to send.
Questions and answers
One shortfall you can email. Fifty suppliers you cannot.
Working out the gap for one supplier takes a minute. Doing it across every live supplier and every client's minimum is where cover checks quietly stop happening.
Credbase reads each supplier's certificate, checks the cover against your rules per client and flags every shortfall with a draft top-up request ready to send.
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.
- ComparisonCredbase vs shared drives (Google Drive, SharePoint, Dropbox)
How a purpose-built supplier document platform compares to Google Drive, SharePoint and Dropbox, with a fair read on where each is genuinely better and why most teams end up using both.
- ExplainerWhat is a certificate of insurance (COI)?
A plain-English explainer of certificates of insurance, what they are, what to check and how to store them so you never miss a renewal.