Insurance & LiensQuestion 1533 of 1605
A subcontractor's certificate of insurance names the general contractor as 'certificate holder.' Being a certificate holder means the general contractor:
a.Is merely entitled to receive the certificate as evidence of coverage — it does not by itself grant additional insured status
b.Has waived its lien rights
c.Owns the policy
d.Is automatically an additional insured with full coverage
Explanation
A 'certificate holder' is simply the party to whom the certificate is issued for informational purposes. It does not confer additional insured status or coverage. To be protected under the policy, the GC needs an additional insured endorsement.
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Last reviewed: · editorial process
Sen Lin, PrepPass Founder · Verified against California CSLB Contractor License Law & Business Exam · How we review
Reviewed by Abraham Chen — Licensed California General Contractor (CSLB License #1101856 — verify)