Certificates of Insurance are not Legal Documents, as is clearly stated on them. They can confer no legal rights on the Certificate Holder. They neither alter, amend, nor extend any coverage that is indicated on them. By contract, the Department requires confirmation of Additional Insured Status, Absolute 30 Day Notice of Cancellation, Loss Payee Status, Waiver of Subrogation, etc,. These are legal rights that the Department is required to have on the insured’s policy or policies. We require endorsement forms for the following reason: Endorsement forms are legal documents that are designed to be appended to the insured’s insurance policy, thus becoming a legal change or endorsement to the policy.
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