Standard certificate
For a landlord, client, lender, or contractor who needs proof of current policies and limits.

Send us the certificate holder and any contract requirements. We’ll check your active policy before issuing proof.
Certificate of insurance
Your policy and endorsements determine coverage. The certificate is a snapshot of what is in force when it is issued.

For a landlord, client, lender, or contractor who needs proof of current policies and limits.
For additional insured status, waivers, or other required wording. Send the contract or sample so we can check what the policy supports.
Legal name, mailing address, and contact person.
The contract’s insurance section or a sample certificate.
Project, location, client, and deadline.
Any required endorsements or specific wording.
No. A certificate reports information from the policy. Coverage changes require the insurer to issue or approve the applicable policy change or endorsement.
No. Certificate holder and additional insured are different roles. Additional insured status must be supported by the policy or an endorsement.
It lets us see the exact insurance requirement, identify wording the policy may not support, and avoid issuing a document that overstates coverage.
A certificate can only report coverage that is in force. If you still need coverage, start a quote and we will shop the requirement with you.