# COI Deficiency Notice Templates

Reference templates for insurance certificate deficiency notices. Three escalation tiers: initial notice, second notice with cure period, and default notice.

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## Variant 1: Initial Deficiency Notice

**[LANDLORD ENTITY LETTERHEAD]**

**VIA EMAIL AND CERTIFIED MAIL**

Date: [DATE]

[TENANT CONTACT NAME]
[TENANT ENTITY NAME]
[TENANT ADDRESS]
[CITY, STATE ZIP]

Re: Insurance Certificate Deficiency -- [PROPERTY NAME], Suite [SUITE]
Lease Date: [LEASE DATE] ("Lease")

Dear [TENANT CONTACT NAME]:

Pursuant to Section [INSURANCE SECTION] of the above-referenced Lease, we have reviewed the certificate of insurance currently on file for your tenancy and identified the following deficiencies:

### Deficiency Summary

| # | Requirement | Lease Section | Required | On File | Status |
|---|-------------|---------------|----------|---------|--------|
| 1 | [e.g., General Liability -- Per Occurrence] | [e.g., 12.1(a)] | [e.g., $2,000,000] | [e.g., $1,000,000] | Deficient |
| 2 | [e.g., Additional Insured Endorsement] | [e.g., 12.1(d)] | [e.g., CG 20 11 + CG 20 37] | [e.g., Not listed] | Missing |
| 3 | [e.g., Waiver of Subrogation -- WC] | [e.g., 12.1(e)] | [e.g., WC 00 03 13] | [e.g., Not listed] | Missing |
| 4 | [e.g., Umbrella/Excess Liability] | [e.g., 12.1(c)] | [e.g., $5,000,000] | [e.g., No policy on file] | Missing |
| 5 | [e.g., Certificate Holder naming] | [e.g., 12.1(f)] | [e.g., Per lease exhibit] | [e.g., Incorrect entity] | Deficient |

### Required Action

Please provide an updated ACORD certificate of insurance and copies of all applicable endorsements curing the above deficiencies within **fifteen (15) days** of the date of this letter (by **[CURE DEADLINE DATE]**).

Certificates and endorsements should be delivered to:

> [PROPERTY MANAGER NAME]
> [ADDRESS]
> [EMAIL]

Please direct any questions regarding the above requirements to [PROPERTY MANAGER CONTACT] at [PHONE] or [EMAIL].

This letter is not a waiver of any rights or remedies available to Landlord under the Lease, at law, or in equity, all of which are expressly reserved.

Sincerely,

[AUTHORIZED SIGNATORY NAME]
[TITLE]
[LANDLORD ENTITY / PROPERTY MANAGER]

cc: [ASSET MANAGER]
    [TENANT FILE]

---

## Variant 2: Second Notice -- Cure Period Warning

**[LANDLORD ENTITY LETTERHEAD]**

**VIA EMAIL AND CERTIFIED MAIL -- RETURN RECEIPT REQUESTED**

Date: [DATE]

[TENANT CONTACT NAME]
[TENANT ENTITY NAME]
[TENANT ADDRESS]
[CITY, STATE ZIP]

Re: **SECOND NOTICE** -- Insurance Certificate Deficiency
[PROPERTY NAME], Suite [SUITE]
Lease Date: [LEASE DATE] ("Lease")
First Notice Date: [FIRST NOTICE DATE]

Dear [TENANT CONTACT NAME]:

This letter constitutes a **second and final notice** regarding the insurance deficiencies identified in our letter dated [FIRST NOTICE DATE] (copy enclosed). As of the date hereof, the deficiencies described below remain uncured.

### Outstanding Deficiencies

| # | Deficiency | Originally Identified | Days Outstanding |
|---|------------|-----------------------|------------------|
| 1 | [e.g., GL limit below $2M per occurrence] | [FIRST NOTICE DATE] | [N] days |
| 2 | [e.g., Missing additional insured endorsement] | [FIRST NOTICE DATE] | [N] days |
| 3 | [e.g., Missing waiver of subrogation -- WC] | [FIRST NOTICE DATE] | [N] days |

### Cure Period

Pursuant to Section [DEFAULT/CURE SECTION] of the Lease, you are hereby provided a **[CURE PERIOD -- e.g., ten (10)] day cure period** to remedy the above deficiencies. The cure period expires on **[FINAL CURE DEADLINE DATE]**.

### Consequences of Non-Compliance

Failure to cure the above deficiencies by the expiration of the cure period may result in one or more of the following remedies available to Landlord under the Lease:

1. **Landlord Procurement**: Landlord may procure the required insurance coverage on your behalf and charge all premiums, costs, and administrative fees to Tenant as Additional Rent pursuant to Section [SECTION]. Landlord-procured coverage is typically obtained at significantly higher premiums than tenant-procured coverage.

2. **Event of Default**: Continued non-compliance beyond the cure period constitutes an Event of Default under Section [DEFAULT SECTION] of the Lease, entitling Landlord to pursue all remedies available under the Lease, including but not limited to monetary damages and lease termination.

3. **Indemnification Exposure**: Absent compliant insurance, Tenant bears unlimited personal exposure for all claims, damages, and losses arising from or related to the Premises, including defense costs that would otherwise be covered by the required policies.

### Required Delivery

Updated ACORD certificate(s) and endorsement copies must be received by:

> [PROPERTY MANAGER NAME]
> [ADDRESS]
> [EMAIL]

No later than **5:00 PM [TIME ZONE] on [FINAL CURE DEADLINE DATE]**.

All rights and remedies of Landlord under the Lease, at law, and in equity are expressly reserved.

Sincerely,

[AUTHORIZED SIGNATORY NAME]
[TITLE]
[LANDLORD ENTITY / PROPERTY MANAGER]

Enclosure: Copy of First Notice dated [FIRST NOTICE DATE]

cc: [ASSET MANAGER]
    [LANDLORD COUNSEL]
    [TENANT FILE]

---

## Variant 3: Default Notice

**[LANDLORD ENTITY LETTERHEAD]**

**VIA CERTIFIED MAIL -- RETURN RECEIPT REQUESTED**
**AND VIA OVERNIGHT COURIER**

Date: [DATE]

[TENANT CONTACT NAME]
[TENANT ENTITY NAME]
[TENANT ADDRESS]
[CITY, STATE ZIP]

Re: **NOTICE OF DEFAULT** -- Failure to Maintain Required Insurance
[PROPERTY NAME], Suite [SUITE]
Lease Date: [LEASE DATE] ("Lease")

Dear [TENANT CONTACT NAME]:

This letter serves as formal **Notice of Default** under Section [DEFAULT SECTION] of the Lease.

### Background

| Date | Action | Status |
|------|--------|--------|
| [FIRST NOTICE DATE] | Initial Deficiency Notice sent | Uncured |
| [SECOND NOTICE DATE] | Second Notice / Cure Period Warning sent | Uncured |
| [CURE DEADLINE] | Cure Period expired | Deficiencies remain |
| [TODAY] | Notice of Default issued | -- |

### Uncured Deficiencies

Despite two prior notices and a [CURE PERIOD]-day cure period, the following insurance deficiencies remain outstanding as of the date hereof:

| # | Deficiency | Lease Requirement |
|---|------------|-------------------|
| 1 | [Description] | Section [X] |
| 2 | [Description] | Section [X] |
| 3 | [Description] | Section [X] |

### Default and Remedies

Tenant's failure to maintain the insurance coverages required under the Lease constitutes an **Event of Default** under Section [DEFAULT SECTION]. Landlord hereby exercises the following remedies:

**Immediate Actions:**

1. **Landlord Procurement of Insurance**: Landlord will procure the required insurance coverages effective [DATE]. All premiums, broker fees, and administrative charges (estimated at $[AMOUNT] annually, subject to actual cost) will be charged to Tenant as Additional Rent due within ten (10) days of invoice.

2. **Late Charges and Interest**: Any amounts charged as Additional Rent and not paid when due shall bear interest at the Default Rate of [RATE]% per annum as specified in Section [SECTION] of the Lease.

**Reserved Remedies:**

Landlord expressly reserves all additional rights and remedies under the Lease, at law, and in equity, including without limitation:

- Monetary damages
- Lease termination
- Recovery of attorneys' fees and costs
- Injunctive relief

### Opportunity to Cure

Notwithstanding the foregoing, if Tenant delivers compliant certificates and endorsements within **five (5) business days** of this Notice, Landlord will consider withdrawal of the default declaration, provided Tenant reimburses Landlord for all costs incurred in connection with the procurement of replacement coverage and the enforcement of this provision.

Deliver all certificates and correspondence to:

> [PROPERTY MANAGER NAME]
> [ADDRESS]
> [EMAIL]

This Notice is delivered without prejudice to any rights or remedies of Landlord, all of which are expressly reserved.

Sincerely,

[AUTHORIZED SIGNATORY NAME]
[TITLE]
[LANDLORD ENTITY / PROPERTY MANAGER]

cc: [LANDLORD COUNSEL]
    [ASSET MANAGER]
    [LENDER (if required under loan documents)]
    [TENANT FILE]

---

## Usage Notes

1. **Timing**: Initial notice at first identification. Second notice 15-20 days after initial. Default notice after cure period expiration.
2. **Delivery**: Always use certified mail for legal enforceability. Email is supplemental, not a substitute for formal delivery unless the lease explicitly permits it.
3. **Lease review**: Confirm the lease's specific cure periods, notice addresses, and default provisions before sending. Cure periods vary (commonly 10-30 days for non-monetary defaults).
4. **Lender notice**: Some loan documents require landlord to notify lender of material tenant defaults. Check the loan agreement.
5. **State law**: Some jurisdictions impose statutory notice requirements that override lease provisions. Confirm local requirements.
6. **Record keeping**: Log all notices in the tenant insurance tracking system with dates sent, delivery confirmation, and response dates.