Certificate of insurance
Send us the certificate holder details and the insurance requirements. We verify the active policy, review the request, and explain when an endorsement or policy change is needed.
The policy and its endorsements control coverage. A certificate gives another party a concise record of the insurance in force on the date it is issued.
The certificate identifies the insurer, policy type, policy number, effective dates, and the limits shown by the active policy.
It records the person or organization asking for proof and the mailing details supplied with the request.
We compare the requested wording with the policy. The certificate cannot grant coverage that the policy and endorsements do not provide.
The right path depends on what the other party is asking you to show.
Use this when a landlord, client, lender, or general contractor needs evidence of the policies and limits currently in force.
Send the contract or sample certificate when it asks for additional insured status, waiver of subrogation, primary and noncontributory wording, completed operations, or special notice language. We check whether the policy supports it.
A complete request prevents back and forth and lets the broker check the requirement against the right policy.
The legal name, mailing address, and contact person for the organization requesting proof.
Attach the insurance section of the contract or the sample certificate the other party supplied.
Include the project, location, client, and deadline so we can match the request to the right work.
Call out additional insured, waiver, primary wording, completed operations, or any specific form requested.
Give us the certificate holder details, contract language, and any sample document.
A licensed broker compares the request with the active policy and its endorsements.
If the request needs coverage or wording that is not in place, we explain the option before anything is represented.
We send the certificate and any supporting endorsements that apply to the approved request.
No. A certificate reports information from the policy. Coverage changes require the insurer to issue or approve the applicable policy change or endorsement.
No. Certificate holder and additional insured are different roles. Additional insured status must be supported by the policy or an endorsement.
It lets us see the exact insurance requirement, identify wording the policy may not support, and avoid issuing a document that overstates coverage.
A certificate can only report coverage that is in force. If you still need coverage, start a quote and we will shop the requirement with you.
Send the holder details and the contract requirement. We will check the policy and return the documents that apply.
