Having a certificate of insurance isn't enough.
It is the additional insured endorsement to the insurance policy and the insurance policy itself that confers coverage rights not the certificate of insurance. The additional insured should insist precisely on the type of coverage they need and seek a copy of the insurance policy itself. Certificate holders should be proactive and seek a copy of the insurance policy before the loss occurs as well. This video reviews why a certificate of insurance isn’t enough and why having a copy of the insurance policy can save time and headache when faced with a loss.
Runtime: 7 minutes
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