As a tree care professional, you are probably all too familiar with insurance certificates, and depending on the size of your company, some of you may be requesting insurance certificates on almost a daily basis. But what are these documents that getissued on your behalf, and what do they truly mean? What does a certificate of insurance tell you? An insurance certificate is little more than an abstract that represents only a very few basic provisions of one or more insurance policies held by the insured company. Even though the form notes the effective and expiration dates (usually one-year policy terms) of the policies noted, it only represents that the insurance noted on the form is in effect on the day the certificate is issued. Basically, it is a one-day snapshot in time. It grants no guarantee that the policies noted will remain in effect beyond the date of issue of the certificate.
展开▼
