Overview
Lenders involved in commercial financing—across real estate, equipment, working capital, and project finance—require accurate and compliant insurance documentation to mitigate risk and secure collateral. Our Commercial Insurance Document Review Services are tailored specifically for banks, private lenders, credit unions, and alternative financiers, ensuring that borrower-provided insurance meets all lending and regulatory requirements.
Core Services for Lenders
Certificate of Insurance (COI) Review
Confirming the inclusion of correct lender clauses (e.g., mortgagee, loss payee, additional insured).
Verifying adequate coverage amounts, policy types, and effective dates.
Policy Compliance Checks
Reviewing entire insurance policies to validate compliance with loan covenants.
Ensuring policies include required coverages (e.g., property, general liability, flood, business interruption).
Coverage Gap Identification.
Detecting exclusions, sub limits, or endorsements that could expose the lender to loss.
Recommending corrective action for non-compliant or insufficient policies.
Ongoing Monitoring
Setting up automated or periodic re-reviews during the loan lifecycle (e.g., annual renewals).
Tracking and flagging policy cancellations, lapses, or changes that affect collateral protection.
Borrower Insurance Guidance.
Assisting borrowers in understanding and meeting lender insurance requirements.
Liaising between insurance brokers, borrowers, and loan officers for quick resolution.
Who We Support
Commercial & Regional Banks
Credit Unions
Private Credit Funds
Non-Bank Financial Institutions (NBFIs)
SBA/Government-Backed Lenders
Disclaimer: Zyverra does not sell or solicit insurance products and does not provide insurance advice to borrowers. All services are provided to lenders for the purpose of insurance documentation review and compliance assessment only.