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what does it mean if you are the certificate holder of an insurance policy certificates are proof of someone else having insurance coverage these documents are issued by insurance brokers docHubing that the policy holder truly has the coverage stated on the certificate the certificate itself is not an insurance policy and the language on the certificate conveys no rights to the certificate holder it is intended to be a true reflection of the coverages provided in the insurances shown on the certificate the broker who issues the certificate is typically working on behalf of representing the interests of the policy holder you probably hold a certificate because you requested the policy holder to give you one the policy holder may be performing a service for you and you exercise prudence by requiring that service provider to carry adequate insurance to cover any accidents that are likely to occur while they perform that work this is to protect yourself so that you do not have to incur co