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hey everybody i'm rob freeman and today we're answering the question how do you verify a certificate of insurance well a certificate of insurance is used as proof that a company or an individual has certain insurance coverage and the first thing you're going to look for to verify a certificate of insurance is that it comes on a form called an accord 25 and on that accord 25 form there's going to be certain information there's going to be the name of the insurance carrier or insurance carriers the name of the broker if there's a broker that issued the certificate of insurance you'll have the types of insurance that the insured has you'll also have the limits of insurance and the dates or expirations of those types of policies and in addition to just looking for proof that the company or individual has insurance coverage usually people who are referred to as certificate holders are also looking for evidence that they may be named as an additional insured or that there are certain types of coverage within the coverages that are listed on the certificate of insurance but it's important to emphasize that a certificate of insurance is not actually insurance and it's not even really evidence of insurance as a matter of fact the top of the certificate of insurance there's a disclaimer and the disclaimer reads and i'll read this exactly from the certificate it reads this certificate of insurance is issued as a matter of information only and confers no rights upon the certificate holder this certificate does not affirmatively or negatively amend extend or alter the coverage afforded by the policies below this certificate of insurance does not constitute a contract between the issuing issue insurers authorized rep authorized representative or producer and the certificate holder and it actually goes further to state that certain coverage such as additional insured status or waiver of subrogation may need to be endorsed on the policy or policies listed on the certificate so as you can see from the disclaimer at the top of the accord 25 form when you want to verify a certificate of insurance you can read at the top of that form that it says that this is for information only and it's very clear about that so to verify a certificate of insurance really the best way to do that is to request either copies of the policies themselves and have your broker look at them or you can look at them yourself and read through them or to request copies of the endorsements for the additional insured status or waiver of subrogation or primary non-contributory status whatever it is in terms of the coverage that you're looking for that you want to feel comfortable comfortable that you have evidence of so that's it if you have questions about verifying certificates of insurance or your insurance or you know someone who has questions about their insurance please feel free to schedule an...