Ask PIA

Certificates—contract requires less coverage

My client has entered into a contract to do work that requires them to carry a minimum of $1 million worth of coverage. However, my client’s policy provides $5 million worth of coverage. On the certificate, should I list the actual amount of coverage or the amount that is contractually required?

CGL blanket additional insured endorsement

Do the ISO Commercial General Liability Coverage Form (CG 00 01) and a proprietary blanket additional insured endorsement satisfy the following statement that a landlord is requiring on the certificate?

XXXX, LLC and all direct and indirect subsidiaries or owners of these companies, their respective officers, directors, agents, and employees are named as additional insureds on my client’s general liability policy. The inclusion therein of any person or entity as an additional insured shall not affect any right such person or entity would have as a claimant thereunder if not so included.

Primary language on certificates

If “primary” coverage is already built into most subcontractors’ general liability policies, why won’t their insurance carriers allow us to add “primary” language onto a certificate?

Automatic additional insured

If we indicate that a contractor is an additional insured on a certificate of insurance and there is an automatic additional insured endorsement on the policy, what is an agent’s duty to verify that the insured has agreed in writing to name the contractor as an additional insured?

‘Sample’ certificate of insurance

We have an insured asking for a “sample” certificate of insurance. He does not want a certificate holder listed and intends to deliver it to whomever requests proof of his errors-and-omissions policy. Is this acceptable?