When someone sends you a Certificate of Insurance, don’t just

When someone sends you a Certificate of Insurance, don’t just file it away and assume everything is handled.

Depending on the situation, you may need to check the named insured, active dates, coverage types, limits, additional insured status, required endorsements, workers’ compensation, commercial auto, umbrella coverage, and whether the policy matches the work being done.

The big question is not just, “Did they send me a COI?”

The better question is, “What do I need this certificate to prove?”