Sary Gabay-Rafiy and Anne Marie Bowler are contributors to the Professional Insurance Agents Magazine.

Legal Updates: Is A Certificate Holder an Additional Insured? – Professional Insurance Agents, New York Addition, January 2008.

“You are asked by a policyholder to obtain a certificate of liability insurance, which evidences the fact that an insurance policy has been written. You may even be asked to designate another party as an additional insured. In your capacity as broker or agent, you issue the certificate. But, then the certificate holder suffers a loss, submits a claim to the insurance company, and learns that it is not actually covered under the policy as an additional insured. You are now a defendant in a lawsuit for, among other things, failing to adequately procure insurance.” Full article…