Certificates of Insurance

Must the person signing a certificate of insurance be licensed in all the states where the insured has exposure? Or must the signatory be someone with internal agency authorization?

An insured has a $5-million limit on their umbrella policy but wants to show only a $2-million limit on the certificate of insurance. Is it permissible for an agent to list lower limits on the COI than what the policy actually provides?

An agent insures a small general contractor that is considering performing work for a large local school system. The school is requesting that a clause be added to the certificate of insurance.

A client’s policy includes an endorsement which provides “blanket additional insured” status to the entity with whom they have a written contract, but the certificate holder still insists that the certificate of insurance must specifically list both it an

An agent is issuing a new certificate of insurance with policy limits of $1 million/$2 million. The agent knows of a $500,000 claim. What policy limits should be shown on the COI?

What’s the best way to let certificate of insurance holders know that a commercial liability policy has been cancelled?

It’s never a good idea to customize a certificate of insurance based on who’s asking for what.

A client asks an agent to alter a certificate of insurance and add specific language to the description. The agent is concerned about losing a $900,000 account if they don’t fulfill the request.

Is it acceptable to e-sign certificates and evidences of insurance? Do the same guidelines apply to a producer’s signature on applications?

Can you fulfill a contractor’s request for a certificate of insurance without a certificate holder name so they can provide it as proof of insurance?