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Certificates of Insurance

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Certificates of Insurance

​​Resources to help producers deal with certificate problems, including New York State rules and opinions about the proper use of certificates of insurance.​


​​​​​​SAMPLE RESPONSES FOR IMPROPER CERTIFICATE REQUESTS​


REASON: FORM IS NOT APPROVED

​Note - If any person or governmental agency wants to use a certificate as a condition to award a contract, or if it has already awarded the work as a condition to commence or continue work, or as a condition for payment,  it must obtain the Superintendent’s prior approval before using that form.

"Regarding your request for a certificate of insurance for [named insured] [insurer & policy number] we are unable to complete the form as you have requested.

Effective July 28, 2015, an amendment to the NYS Insurance Law requires that any person or government agency that wants to use a certificate of insurance as a condition of work or payment must obtain the Superintendent’s approval prior to using the form.

A list of the approved forms can be found at http://www.dfs.ny.gov/insurance/insurers/cert_ins_approved.htm. The DFS may fine violators $1,000 for the first offense and $2,000 for each subsequent offense.

Attached is a completed ACORD form that has been pre-approved by the DFS." 

 

REASON: CERTIFICATE LANGUAGE REQUESTED THAT IS NOT IN THE POLICY

Note – It is a violation for someone to require language that is not in the policy

"Regarding your request for a certificate of insurance for [named insured] [insurer & policy number] we are unable to complete the form as you have requested.

Effective July 28, 2015, an amendment to the NYS Insurance Law makes it illegal to require a certificate of insurance to include language of any kind, including warranties of coverage, not found in the underlying policy. The DFS may fine violators $1,000 for the first offense and $2,000 for each subsequent offense.

Attached is the completed certificate of insurance with terms and conditions that are included in the policy." ​