We are asked many times by our insureds to issue Certificates of Insurance. Most of the time, they are required to present one to a person who is in control of awarding contracts or work to be done by independent contractors, such as our clients. We are happy to do so and issue many per day. Occasionally, we are requested to issue a certificate a certain way to comply with another’s requested wording. Sometimes, we are unable to comply due to the fact of “hold harmless” wording, additional insured requests, and contractual requirements. An agency does not have the power and authority to override an insurance policy, and unless an insurance company agrees to add the particular request, we are not able to provide the certificate requested.
In addition, there are varying state laws regarding certificates. Many states prohibit adding an additional insured and some certificate holders so regardless of what is issued by the agency or company, statute law will be the deciding factor. If you are requested to provide a Certificate of Insurance, please talk with your agent or one of ours for validity.
Commercial Insurance.Net, LLC Advisor is not an attorney, accountant or certified financial planner and makes no representations or warranties to that effect. Always check with your chosen professional as to statements made in this blog for your particular situation.