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Insurance glossary · Additional insured

Additional insured vs certificate holder

Being named as certificate holder is not the same as being an additional insured.

Operational context

What compliance teams should know.

The certificate holder box is who receives the form. Additional-insured status is granted by endorsement and puts the holder on the vendor’s policy for specified operations.

Always require the correct entity legal names. Owner and management company are often both required in property management.

Use the governing documents.

This reference is educational. A certificate summarizes represented coverage and does not amend a policy. Confirm requirements and coverage questions with the relevant contract, endorsement, insurer, broker, counsel, or qualified advisor.

Related terms

ACORD 25The ACORD 25 is the standard US Certificate of Liability Insurance. It summarizes policies in force. It does not confer rights by itself.CG 20 10ISO form that names another party as additional insured while work is ongoing.CG 20 37The completed-operations companion to CG 20 10. Many construction and roofing claims arrive after substantial completion.
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