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hi this is jerry becerra with barbary insurance brokerage and today were going to talk about what an additional insured is on a certificate of liability insurance so first of all a certificate of insurance is only evidence of coverage it does not confer any special rights on the certificate holder at all and in fact if you look at the wording on the certificate itself its going to have a disclaimer limiting the exactly what that certificate does what it is going to do is show who the insurance company is who the insured party is what the limits of liability are and then its going to list a certificate holder and that certificate holder should be informed if that policy cancels however theres no obligation to do so if the certificate names somebody as an additional insured on the certificate thats fine and often acceptable to the additional insured however what you really need is an additional insured endorsement on the policy and often you will find that the third party insists on
