Understanding Contract Coverage vs. Insurance Policy: A Comprehensive Guide

A contract can require coverage that the insurance policy may not actually provide.

That’s why a Certificate of Insurance should not be the only thing you rely on when the risk is meaningful. The contract may require additional insured status, waiver of subrogation, completed operations coverage, higher limits, or specific endorsements.

But the actual policy has to support those requirements.

The contract, Certificate of Insurance, and policy all need to tell the same story

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