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Oct 16
A Few Minutes With Tim: Certificates of Insurance - What Limits Should You Show?

Question from a Big I NY member: I have a commercial lines client who has a $5,000,000 umbrella policy with us.  The insured does not want us to show on certificates that he has a $5,000,000.  He would like us to show on the requested certificates a $2,000,000 umbrella policy.   The insured just bumped up his umbrella for one client.  The umbrella policy has always been $2,000,000 and he will be changing the coverage back to $2,000,000 at renewal.  Is this something that I can do?

Watch the video below where my confidant and I consider this question. Also note the change in title because truth in advertising.

Links mentioned in the video:

ACORD 25 Forms Instruction Guide

New York Insurance Law Sect. 502

New York Insurance Law Sect. 2110

Connecticut Law:

Certificates of Insurance

Producer misconduct

New Jersey Law:

Certificates of Insurance

Producer misconduct​

Big I New York Answer Center:

Certificates of Insurance




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