Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by

UPDATED: Sep 12, 2018

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from Bayberry Point, NY

Asked on 09/12/2018

Can you send a certificate to a holder without an insured knowing? Certificate of Insurance question

Answer given on September 24, 2018

Usually if a Certificate of Insurance is provided to a separate entity or person, a copy of the certificate is sent to the policyholder so they are made aware that the certificate was issued. Often times the certificate names the holder as an additional insured, which can affect the insurance policy, so the policyholder should be made aware of the situation.  Some insurance companies will require the policyholder to request the certificate of insurance, dependin upon the reason for the certificate. Each insurance company has their own procedure for this type of transaction.

If a certificate was issued on your behalf to another person or entity and you were not notified at the time, you should call your agent or insurance company to inquire about the certificate and why it was issued.  As the policyholder you should have the right to know about this activity on your policy.


IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and FreeAdvice.com AS IS. It has not necessarily been reviewed by the management staff of FreeAdvice.com nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although FreeAdvice.com has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on AttorneyPages.com to represent you.