Certificates of Insurance

A certificate of insurance is a piece of paper that provides evidence that an individual or an organization has purchased insurance.  It typically lists the insurance company, the types of coverage purchased and the limits of coverage.  Unlike an additional insured endorsement, it does not confer any rights on the certificate holder.  And, it is evidence only that the person or organization had insurance at the time the certificate was issued.  There is no guarantee that the insurance has not subsequently been cancelled or nonrenewed.