What is included in a certificate of insurance?

A certificate of insurance serves as a document that provides proof of coverage. It outlines the specific types and extents of coverage provided by an insurance policy, confirming that the insured meets certain insurance requirements. This document is often used in business contexts where one party requires verification of the insurance coverage of another party, such as when entering contracts or participating in events.

While legal disclaimers may accompany the certificate of insurance, they do not form the primary content of the certificate itself, which focuses on illustrating coverage details rather than legal jargon. Similarly, details such as the insurer’s profit margin and annual policy limits are not relevant to the purpose of the certificate. Instead, the focus remains on validating that specific coverage is in effect and the types of risks that are insured, making proof of coverage the essential component of this document.