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Who should be listed as the certificate holder on a COI?

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.

What is waiver of subrogation?

A Waiver of Subrogation is an endorsement that prohibits an insurance carrier from recovering the money they paid on a claim from a negligent third party. An Owner Client may require this endorsement from their vendors to avoid being held liable for claims that occur on their jobsite.

What does it mean to be listed as a certificate holder on an insurance policy?

A certificate holder is an entity that receives the certificate of insurance from a contractor, vendor, or another provider. If you receive certificates, thats you. If you provide them to companies that hire you, thats the company hiring you.

What does INSR LTR mean on certificate of insurance?

At the far right, youll see a column labeled INSR LTR. This is short for Insurer Letter; the letter you see here will correspond to the Insurer Affording Coverage as described earlier.