> ## Documentation Index
> Fetch the complete documentation index at: https://watchmycover.com/docs/llms.txt
> Use this file to discover all available pages before exploring further.

# Coverage types

> The eight coverage types a template can require, and what each limit field means for them.

A template can require any of eight coverage types. Each has the same settings: a minimum each-occurrence limit, a minimum aggregate limit, whether it is mandatory, and which endorsements are required. See [Requirement templates](/docs/requirements/templates).

| Coverage                    | Where it usually appears on an ACORD 25                                   |
| --------------------------- | ------------------------------------------------------------------------- |
| General Liability           | The **Commercial General Liability** row                                  |
| Workers' Compensation       | The **Workers Compensation and Employers' Liability** row                 |
| Automobile Liability        | The **Automobile Liability** row                                          |
| Umbrella / Excess Liability | The **Umbrella Liab / Excess Liab** row                                   |
| Professional Liability      | Often a separate certificate, or the blank row at the bottom of the table |
| Pollution Liability         | Often a separate certificate, or the blank row at the bottom of the table |
| Cyber Liability             | Often a separate certificate, or the blank row at the bottom of the table |
| Builder's Risk              | Usually a separate certificate or evidence of property insurance          |

## Each occurrence and aggregate

These are two different limits:

* **Each occurrence** is the most the policy pays for one incident.
* **Aggregate** is the most it pays across the whole policy period.

A certificate can meet one and miss the other. WatchMyCover checks each against its own minimum, and skips a minimum you leave blank.

How the two fields apply to each coverage, when you [record a certificate](/docs/certificates/recording):

| Coverage              | Each occurrence field                         | Aggregate field                                                         |
| --------------------- | --------------------------------------------- | ----------------------------------------------------------------------- |
| General Liability     | **Each Occurrence**                           | **General Aggregate**                                                   |
| Workers' Compensation | **E.L. Each Accident**                        | Leave blank unless your template sets a workers' comp aggregate minimum |
| Automobile Liability  | **Combined Single Limit (Ea accident)**       | Leave blank                                                             |
| Umbrella / Excess     | **Each Occurrence**                           | **Aggregate**                                                           |
| Other coverages       | The per-occurrence or per-claim limit printed | The aggregate limit printed                                             |

<Note>
  Workers' compensation is statutory, and certificates often show only a tick in **Per Statute**. WatchMyCover has no "per statute" setting: it checks the employers' liability figure you enter against the minimum in your template. If the template sets a workers' comp minimum and no figure is entered, the finding is **Limit not provided**.
</Note>

## Mandatory or optional

A coverage marked **Coverage is mandatory** decides the verdict: if it is missing, expired, not yet in force, short or lacking a required endorsement, the subcontractor fails or needs review, and is chased.

An optional coverage (included in the template but not mandatory) is recorded and shown, but its problems are informational only. It never changes the verdict and is never chased.

A coverage the template does not include at all can still be recorded; it appears as "carried but not required by this template" and has no effect.

## Related

* [Endorsements and evidence levels](/docs/requirements/endorsements)
* [Every finding explained](/docs/certificates/findings)