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Most frequent questions and answers

1. We live in a very litigious area and many of your clients have lawyers who are advising them to add specific wording to certificates of insurance. Your insurance carrier defends your rights and they must have a chance to review these requests in order to protect you.

2. Many times, insurance carriers charge a premium to add additional insured(s) to a policy. These charges can range from $50 to $500. Once a certificate is issued that premium must be paid to the carrier.

3. As your agent, it is our job to protect you from every day risks that come up in the course of your business. By asking these questions, it allows us to do our job — which is to protect you. It also helps ensure that we are not put in the position of issuing a certificate of insurance that does not actually cover you for the job that you are doing.

4. We want to issue your certificate correctly with all required information and wording and make sure that everything spelled correctly.

5. We only want to do it once —- Like you, our staff is busy making sure all of our clients are being taken care of. By having the correct information the first time, we can provide a faster and better service experience for each of our clients.

If you only need a certificate of insurance to prove that you have insurance coverage, we are happy to provide you with a generic certificate listing your business as the holder which you can show your clients.

 Insured -The person(s) protected under an insurance contract.

Certificate Holder – The entity that is provided a certificate of insurance as evidence of the insurance maintained by another entity.

Sub Contractor – A business or person that carries out work for a company as part of a larger project.

Additional Insured A person or organization not automatically included as an insured under an insurance policy who is included or added as an insured under the policy at the request of the named insured. A named insured’s impetus for providing additional insured status to others may be a desire to protect the other party because of a close relationship with that party (e.g., wanting to protect church members performing services for the insured church) or to comply with a contractual agreement requiring the named insured to do so (e.g., project owners, customers, or owners of property leased by the named insured). In liability insurance, additional insured status is commonly used in conjunction with an indemnity agreement between the named insured (the indemnitor) and the party requesting additional insured status (the indemnitee). Having the rights of an insured under its indemnitor’s commercial general liability (CGL) policy is viewed by most indemnitees as a way of backing up the promise of indemnification. If the indemnity agreement proves unenforceable for some reason, the indemnitee may still be able to obtain coverage for its liability by making a claim directly as an additional insured under the indemnitor’s CGL policy. In property insurance, additional insured status is most often used in conjunction with a premises lease agreement between the named insured as the lessee and the owner of the leased building, in which the insured tenant is required to purchase insurance on the leased building and name the building owner as an additional insured on the insurance policy with respect to the leased building.

Additional Named Insured – (1) A person or organization, other than the first named insured, identified as an insured in the policy declarations or an addendum to the policy declarations. (2) A person or organization added to a policy after the policy is written with the status of named insured. This entity would have the same rights and responsibilities as an entity named as an insured in the policy declarations (other than those rights and responsibilities reserved to the first named insured). In this sense, the term can be contrasted with additional insured, a person or organization added to a policy as an insured but not as a named insured. The term has not acquired a uniformly agreed upon meaning within the insurance industry, and use of the term in the two different senses defined above often produces confusion in requests for additional insured status between contracting parties.

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