A certificate of insurance says that someone is an additional insured. They’re not. Is the agent liable for issuing a misrepresentative COI? What about the insurer? Should COIs be sent to insurers? Should AI endorsements be sent to additional insureds?
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“An employee of the business we insured accidentally damaged large steel rolling doors in the warehouse while operating a forklift truck. Is there coverage under the 2013 ISO CGL policy for this type of claim?”
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If you are in a major downtown area, the chances are good that you can rent an electric scooter for local transportation. However, what if there’s an accident with serious injuries that, according to news accounts, is happening with increasing frequency and severity. Is there any insurance to be had?
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You’re asked by a business partner of your insured if coverage is provided by a particular ISO policy form “or its equivalent.” How do you know if a carrier policy form is pure ISO, modified ISO, or proprietary, and whether it’s “equivalent”? Or, you just attended a seminar or webinar on homeowners insurance using the ISO forms and you want to know whether your HO insurers are pure ISO or something else. How do you tell?
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I have been writing about the Do’s and Don’ts of certificates of insurance for well over a decade, but the questions simply won’t go away. This article is a compilation of what I believe are the five most common COI questions I’ve received.
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Someone negligently damages your auto/home/business but fortunately they have liability insurance. Their insurance policy will pay for the full replacement cost of your property, not just the depreciated value, right?
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You hook a shot off the tee. After a glancing blow to the head of a prominent local attorney, the ball hits a passing car driven by a “golf widow” on a public road, then bounces through the window of the home of a municipal judge next to the fairway. Surprise…lawsuits are filed! Are you liable? Is the course liable? The answers may surprise you.
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BONUS! Purchasers of this book get a free PDF download of my book “QuoteNotes: The Ultimate Quotational Reference System and Authoring Tool for Professional Speakers and Writers” endorsed by Zig Ziglar and Brian Tracy. This is an indexed and cross-referenced compilation of my 1,500 favorite quotes and includes a section on how to use quotations in your speaking and writing.
To get BOTH books at a discounted price, click the book cover or CLICK HERE.