A certificate of insurance summarises selected information about a policy at a point in time.
The distinction that matters
It does not replace the policy wording or prove that every contractual obligation, activity or incident is insured.
What to check
- Match the legal entity and policy dates.
- Check the cover type and stated limits.
- Ask for endorsements where a contract requires them.
Example to discuss
A contractor supplies a certificate but also checks whether the principal’s requested indemnity is actually covered.
This is a hypothetical comparison, not a customer claim or a determination of cover.
Sources and further reading
General information only. The policy, schedule and applicable rules determine the actual position. For a personal decision, use an appropriately qualified adviser or the relevant provider.