A subcontractor's certificate of insurance names the general contractor as 'certificate holder.' Being a certificate holder means the general contractor:
Explanation
Certificate holder is an address line: it identifies who was given the document. It confers no rights under the policy. (b) is the status the general contractor actually wants, and it comes only from an additional insured endorsement — mistaking the certificate for the endorsement is the classic and expensive error. (c) goes further still; a named insured is a party to the contract of insurance, which the general contractor is not. (d) is a property-insurance role concerned with who gets paid for damaged property, and it has no bearing on liability coverage.
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