General Liability Certificates of Insurance
September 15th, 2011 | 
Author: Article by Krista Whitford
With the recent release of a newly updated ACORD25S 2009/09 form for certificates of insurance, Hall & Company would like to provide A/E firms with some basic informationto consider when using certificates of insurance to fulfill contractual agreements. This worksheet of Frequently Asked Questions for General Liability insurance is designed to communicate what is provided by our model policies issued through Travelers and The Hartford insurance companies. Requirements for other carriers will differ; please consult your insurance broker for more information.
Q: What is a Certificate of Insurance?A: Certificates of insurance are issued merely as evidence of your insurance policy. Certificates are not issued automatically when a policy is purchased or renewed. They are issued by your insurance agency at your request. The need for a certificate typically is generated by a client or project owner, who wants documentation that certain insurance requirements are being met by consultants who are workingfor them or on their behalf. The certificate illustrates the coverage types, limit and deductible amounts, and effective and retroactive dates of pertinent insurance policies. It is issued for informational purposes only and assigns no rights to the certificate holder. The certificate does not amend, extend or alter coverage and does not constitute a contract.
Q: Can the General Liability Policy be amended to meet specific contract requirements?A: Our model policies are specifically designed for A/E professionals and as such, automatically include the most common amendments required by contract. Built directly into the policy language, the amendments are provided on a
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