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Lets make this even clearer: A certificate holder is given proof of insurance from another party. They have no coverage under the insurance policy itself. An additional insured is a person or entity added to an insurance policy and actually protected under that policy.
The document certifies the LLC is legally formed under state law, establishing it as a separate legal entity from its owner(s). That separation means that the business owners are not personally liable for the debts of and legal claims against the LLC under most circumstances.
A Limited Liability Company (LLC) is a business structure allowed by state statute. Each state may use different regulations, you should check with your state if you are interested in starting a Limited Liability Company. Owners of an LLC are called members.
LLCs often provide a more flexible management structure, allowing all members to participate in management or appoint managers. LPs have a more rigid structure, with management duties usually vested in the general partners, while limited partners remain passive investors.
LLCs offer several benefits over sole proprietorships and partnerships, such as limited liability and tax efficiency, but come with the drawbacks of potential self-employment taxes and complexities in management and ownership transfer.
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By utilizing key documents such as the Operating Agreement, Membership Certificates, Articles of Organization, Meeting Minutes and Resolutions, Financial and Tax Documents, Member Agreements, and Buy-Sell Agreements, LLC members can clearly establish and verify their ownership interests.

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