The standard food court certificate of insurance names four entities as additional insured: the property owner (often a REIT or numbered company), the property management company (CBRE, Cushman & Wakefield, Colliers, BGIS, JLL, or an in-house property management arm), the food court tenant whose unit is being serviced on the visit, and where required by the lease, the brand-corporate entity of franchise-operated tenants. The certificate is at $5,000,000 commercial general liability with a $2,000,000 occurrence limit.
Most enclosed Ontario malls also require the cleaning vendor to maintain WSIB coverage in good standing, workplace harassment policy documentation, fall-protection program documentation for the rooftop work, and hot-work permit capability if the duct cleaning is going to require a torch. We carry all of this and our broker re-issues the certificate with the endorsement wording the property requires — waiver of subrogation in favour of the property owner, primary-and-non-contributory wording, notice-of-cancellation extensions, and where required, completed-operations coverage at a higher limit.
The certificate is uploaded directly into whatever compliance portal the REIT uses (Avetta, ISN, ComplyWorks, Cority, RAMP). If the portal kicks back a missing-endorsement flag, we resolve it with our broker the same day and re-upload the corrected document. The property manager never has to chase the certificate.