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Guides
You have been handed a certificate and you have to decide whether to accept it. These are the answers we give when someone asks — what the document proves, how to check it, and the point at which it stops telling you anything.
A certificate of insurance is a snapshot, not a guarantee. Here is how to check that one is genuine, how to confirm the coverage is still in force, and why those are two different questions.
7 min readReviewed by Chance Sowers
Forged certificates are usually edited real ones, not inventions. Here are the specific things to look at, the one check that actually settles it, and why the document can't defend itself.
6 min readReviewed by Chance Sowers
Being the certificate holder means you were sent a document. Being an additional insured means you have coverage. Here is the difference, and how to tell which one you actually have.
5 min readReviewed by Chance Sowers
The certificate of liability insurance form, read from top to bottom: what each block means, which fields decide whether you are covered, and where the form quietly disclaims itself.
8 min readReviewed by Chance Sowers