Insurance & LiensQuestion 1509 of 1605
A certificate of insurance lists a policy that the insurer canceled the following week. If the certificate says coverage is effective for the full year, the certificate holder's coverage is:
a.Extended by 30 days by law in every case
b.Determined by the actual policy, not the certificate; the cancellation controls unless the policy/endorsement provided otherwise
c.Guaranteed for the full year by the certificate
d.Automatically transferred to the certificate holder's own policy
Explanation
A certificate of insurance only reflects coverage as of its issue date and does not amend the policy or bind the insurer to keep coverage in force. The actual policy terms govern; if the policy was properly canceled, the certificate does not create coverage.
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Reviewed by Abraham Chen — Licensed California General Contractor (CSLB License #1101856 — verify)