Void logo in the Certificate of Liability Insurance in a few clicks

Aug 6th, 2022
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Below are some common questions from our customers that may provide you with the answer you're looking for. If you can't find an answer to your question, please don't hesitate to reach out to us.
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A declaration page is an internal document for a policyholders reference, whereas a certificate of insurance is an external-facing document used to present evidence of insurance coverage to or for third parties.
The certificate holder receives a copy of your COI and also receives notifications in the event that your coverage expires, renews, changes, or is canceled. A certificate holder can be an individual or a company that has a vested interest in your business.
Response 1: The signature on the certificate of insurance is that of an authorized representative of the insurer, which means your question is better directed to the insurer. I would suggest the question should be whether the insurer is licensed or authorized in the state the insured has exposure.
The certificate of insurance names the general contractor as the certificate holder, which means they are the entity receiving the document. A COI is simply proof of insurance at that point in time. It provides general details about the policyholders coverage but does not modify the policy in any way.
Courts have generally held that certificates of insurance are not contracts and, therefore, not enforceable.
Think of a certificate holder as a formal presentation of an entitys insurance, with the certificate holder listed in the space provided on the form. A certificate holder gains no rights or access to the insurance policy. However, an additional insured does.
The relationship between a policy and a certificate of insurance is essentially this: the former is the actual insurance contract itself; the latter is a summarized document that provides proof of the coverage under that policy.
A certificate of insurance (COI) is a document issued by an insurance company or broker. The COI verifies the existence of an insurance policy and summarizes the key aspects and conditions of the policy.

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