Certificate of Insurance

A certificate of insurance is a summary issued for information. The disclaimer above is printed on the standard form and it is enforced: if the certificate says additional insured and the policy carries no additional insured endorsement, the certificate holder has nothing.

Treat a certificate as a checklist against the policy rather than as a document that creates rights, and make every item on it traceable to an endorsement number. Senior care operators run property, operating and management entities, and a lender will reject a certificate naming the wrong one. Additional insured status, primary and noncontributory wording and waiver of subrogation are three separate endorsements, not one phrase in a description box. And an increasing number of leases and referral agreements now ask for abuse and molestation confirmed as included with the sublimit stated, and for the professional liability retroactive date shown, because reviewers have learned what to look for. Build a one-page requirement matrix per contract and send that to the broker rather than the contract itself.