Certificates of Insurance

The Never-Ending Problems with the Certificates of Insurance Monster

Ridiculous requests and difficult situations regarding Certificates of Insurance never go away. Here you’ll be able to review the purpose of certificates, get answers to the 21 most common questions…

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Certificate of Insurance Questions and Answers

Certificates of insurance account for more headaches at the agency level than just about any other issue. Because COIs create so much angst, the VU regularly conducts webinars regarding them.…

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What Does an Agent Owe a Certificate Holder?

Do agents owe any duty to a certificate holder? Opinions differ. Given the reality of the COI, its intended purpose and the parties to the various contracts related to a…

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Warren Buffett Champions an Inferior Product

Warren Buffett introduced the newest insurance disrupter – the THREE. As the name suggests, this is a three-page insurance policy intended for small businesses. If that isn’t amazing enough, this…

Five Work Comp Errors Every Agent Makes

Workers’ compensation, from a coverage standpoint, is the simplest coverage to understand and even explain. However, statutes and common laws serve to complicate the initial simplicity of workers’ compensation and…

The Circular Relationship Between Contractual Risk Transfer, Insurance and Certificates of Insurance

Contractual risk transfer is often confused with insurance coverage; and certificates of insurance are ALWAYS confused for a document with any real meaning or power. This article focuses on one…

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