Certificates of Insurance

Additional Insureds and Certificates

THIS MAY BE THE MOST IMPORTANT ARTICLE YOU READ THIS YEAR. If you insure contractors or others who must enter into agreements specifying insurance coverages and certificate language, you could…

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Showdown: ACORD 27 vs. ACORD 75

When proof of insurance is requested, which is most appropriate, the ACORD 27 – Evidence of Property Insurance or the ACORD 75 – Insurance Binder?

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Lost Policies…No Coverage?

The insured is sued for damages arising out of an occurrence that took place many years ago. The insured is unable to find the policy in force at that time,…

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Certificates of Insurance: Will You “Endeavor To” Be Ethical?

The ACORD certificates of insurance indicate that the issuing insurer will “endeavor to” provide notice of cancellation to the certificate holder. Typically, nothing in the policy requires this and many…

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40 Hours and I’m an Insurance Agent

In my state, a manicurist has to complete 600 hours of classroom and supervised work experience to get licensed. An insurance agent? Put in 40 hours and you could be…

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Should Agents Send Certificates to Insurers?

An insurer recently sent its agency force a “Good News!” bulletin advising that it was no longer necessary to send it copies of most certificates of insurance. The bulletin also…

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E&O Angles

We all know how important E&O loss control is within the agency. However, most agents don’t attend a formal E&O loss control seminar more than once every couple of years,…

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