l]]{ e _>6u|. Since our first paper form was released in 1971, ACORD has provided the standard forms used by the insurance industry. While they should always ask for another copy straight from the insurance company, showing them before they call can also ease their concerns. ACORD Membership provides influence, access and collaboration to the global insurance industry. An ACORD certificate is proof that you have the amount and kind of liability insurance the client requires for the project. The content on EKinsurance.com is for informational purposes only and not intended to provide any financial or legal advice. 15 0 obj <> endobj It's another great opportunity to view your coverage and see when your policy ends or changes. Information on ACORDs electronic fillable Forms. limits shown may have been reduced by paid claims. this certificate is issued as a matter of information only and confers no rights upon the certificate holder. So in understanding ACORD certificate of insurance, sometime the party asking wants to be named as an 'Additional Insured'. the acord name and logo are registered marks of acord ACORD certificates are also categorized impeccably by number, making it very easy to manage the types of forms you need to send and receive. In March 2008, after our board of directors adopted a position paper on certificates of insurance, we began to offer this white paper and related documents and articles for free to the general public. Submit claims, check status of disability or leave, and see payments. Title: Slide 0 Author: Sandy Blaydes This proves that the company truly does have the insurance that they claim to have. Providing proof of this should be second nature, whether or not your client asks to see it. 1 3 4 6 8 7 9 12 14 11 2 5 10 13 15. this certificate is issued as a matter of information only and confers no rights upon the certificate holder. CERTIFICATE HOLDER The ACORD name and logo are registered marks of ACORD HIRED AUTOS ONLY. This proves that the company truly does have the insurance that they claim to have. An ACORD certificate is proof that you have the amount and kind of liability insurance the client requires for the project. Also, a client should always read through what is covered on the insurance policy. understanding ACORD certificate of insurance, ACORD 20: Certificate of Aviation Liability Insurance, ACORD 21: Certificate of Aircraft Insurance, ACORD 22: Intermodal Interchange Certificate of Insurance, ACORD 23: Vehicle or Equipment Certificate of Insurance, ACORD 24: Certificate of Property Insurance, ACORD 25: Certificate of Liability Insurance, ACORD 27: Evidence of Personal Property Insurance, ACORD 28: Evidence of Commercial Property Insurance. 0000005420 00000 n tm date producer phone company (a/c, no, ext): code: sub code: agency customer id #: insured loan number policy number effective date expiration date Manage my business policy, bills and claims, get certificates and submit audits. This includes the name of the insurer, the limits and . Certificate of Liability Insurance form (ACORD 25 2016/03), your insurance agent/broker will need to provide information regarding the policy's terms and conditions, as they pertain to Notice of Cancellation, by adding a comment in the Description of Operations/Locations/Vehicles section of the Even a small typo or difference could create a problem if a claim needs to be filed. When you submit a proposal for a contract, you may be asked to provide an ACORD certificate of insurance. O S&g[x7>-lOdO9C>+O'kI^=^=. Interact with our Standards experts, influence global standards development and collaborate with influencers in the industry. JVZ#6'_d?Zc#1$4Z_ol452Wjvt6*9fk;bW0A>{gF However, you can enter the information for a certificate if the policy data is not in AMS360. this certificate of insurance does not constitute a contract between the issuing insurer(s), authorized certificate hol. evidence of property insurance may be issued or may pertain, the insurance afforded by the policies described herein is subject to all the terms, exclusions and conditions of such policies. If you are creating Evidence of Property Insurance forms, user-defined information from policies does not pre-fill to the Description of Operations on the ACORD 27 Evidence of Property Insurance Page -- PreviewTab, or the ACORD 28 Evidence of Commercial Property Insurance Page -- Preview Tab and the EPI form itself, when you create EPI forms. Insurance Acord Form Instructions. Funded, in part, through a Cooperative Agreement with the U.S. Small Business Administration. Title: ACORD 25 (2010/05) Policyholders might request a certificate of insurance to show anyone who is asking about their insurance coverage. zcxE\0s]||ewdT GO]5g:] GW:KS~ THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED . Updated monthly. Understanding ACORD certificate of insurance. However, a certificate of insurance is not an automatic insurance policy. this certificate does not affirmatively or negatively amend, extend or alter the coverage afforded by the policies below. The ACORD name and logo are registered marks of ACORD COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: INSURED PHONE (A/C, No, Ext): PRODUCER ADDRESS . ACORD Forms ACORD Forms increase your efficiency. The information you enter on the form in eForms Manager, using the editing feature, is . HiscoxBusiness Insuranceoffers small businesses the ability to buy small business insurance either online or over the phone from a licensed advisor in minutes. property information (acord 101 may be attached if more space is required) building or . THIS EVIDENCE OF COMMERCIAL PROPERTY INSURANCE DOES NOT AMEND, EXTEND OR ALTER . this certificate of insurance does not constitute a contract between the issuing insurer(s), authorized The ACORD certificate refers to the ACORD certificate of liability insurance form (ACORD 25). this certificate of insurance does not constitute a contract between the issuing insurer(s), authorized . These certificates list what is included in the insurance policy, what is limited on the policy, and who is providing the coverage available. Business Personal Property - Protects your content and equipment from accidental direct physical loss. You will not have normal access rights until you do. ACORD was then authorized to to issue standard forms that everyone involved in the business insurance industry had access to. Building Property - Covers your building, storage buildings, garages, fixtures, and other structures. We know how to meet your business unique needs and will help ensure you get the right type of liability insurance coverage that fits your business best. 0000000733 00000 n Since our first paper form was released in 1971, ACORD has provided the standard forms used by the insurance industry. Even though you probably think about finances and bank accounts in this light, it is also important to think about your property as well. 0000001173 00000 n Please update your email/profile. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). ACORD recently released the 2022 US Property & Casualty Value Creation study, assessing carrier performance, and the strategies, tactics, and capabilities that support success. This is especially important to have on hand because most people want to know that the company they are hiring has liability insurance. 0000006722 00000 n WvtDwUlwCA|rw;O!xx}uv*ar-i&Ym&pp819a':B }m ]CUyNSGsd1_{Cqh80. REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. We hope this article on understanding ACORD certificate of insurance has been informative. Evidence of Property Insurance: An important distinction exists between the Certificate of Property Insurance (ACORD 24) and the Evidence of Property Insurance (ACORD 27) or the Evidence of Commercial Property Insurance (ACORD 28). Use ACORD 27 or ACORD 28. BH/3[w h(-~"ig>w[\Vys9H. It can provide proof that insurance is held by you, the company that they are working with. A certificate of insurance ACORD form covers essential information about your business insurance policy, such as: There are a few reasons why business owners may be asked to provide an ACORD certificate of liability insurance. limits shown may have been reduced by paid claims. conducting activities or business on public property purchased specified types - and sufficient amounts - of insurance should an accident occur. Common applications used in working with ACORD Forms. Your insurance company can also provide an ACORD certificate of liability insurance for a variety of small business insurance policies, such as: Were backed by more than 200 years of experience and have helped over 1 million small business owners. Its presented in a standard format, so a client can compare the certificates from several potential vendors, creating a level playing field. the policies of insurance listed below have been issued to the insured named above for the policy period indicated. ILV3@tMH; . 0000003620 00000 n Frequently asked questions about ACORD Forms. Certificate of Property Insurance vs. ACORD was established in 1970. An ACORD certificate is proof that you have the amount and kind of liability insurance the client requires for the project. According to Thimble, an ACORD certificate can be obtained at no charge. When you get liability insurance for your business, ask your agent for an ACORD certificate to keep on hand. Introduction. Just because someone holds this does not mean that they have the insurance policy or that what is listed is actually covered. More specifically, an ACORD certificate of liability insurance - also known as an ACORD 25 form and a certificate of insurance (COI) - is a one-page document that proves you have business liability insurance and can meet the conditions of contracts that require it. Manage my personal policy, bills and claims. below. 0000001048 00000 n Please update your email/profile. Certificates of insurance are given to third parties that are known as certificate investors and holders. Risk management isnt just for big corporations - learn what small businesses need to ensure theyre properly protected. and property damage for liability arising from the use of owned and/or non- owned . Following an industry-wide survey, ACORD unveiled new research highlighting the technologies, capabilities, practices, and strategies projected to have the greatest impact in the global insurance industry over the next 20 years. 0000004737 00000 n Understanding ACORD certificate of insurance - the most common type of certificate is the ACORD 25: Certificate of Liability Insurance - which is provided for informational purposes to let a third party know the type and amount of insurance issued to the business. 0000006099 00000 n THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. To |0kENV/)u%za\@$[ B}tGzB3TKD;~Pm6 We tailor our small business insurance coverage to your needs, allowing you to change your coverage as your business changes. BY THE NUMBERS 36K Participating organizations worldwide 3M Forms downloaded over 10 years 275M Message transactions annually ACORD FORMS PORTAL the acord name and logo are registered marks of acord this certificate is issued as a matter of information only and confers no rights upon the certificate holder. notwithstanding any requirement, term or condition of any contract or other document . endstream endobj 20 0 obj <>>>/Filter/Standard/O(JECz xI3C*"dO$w11HC)/P -1564/R 4/U(Xh*U4e )/V 4/StrF/StdCF/StmF/StdCF>> endobj 21 0 obj <>>>>>/Pages 16 0 R/Type/Catalog>> endobj 22 0 obj <> endobj 23 0 obj <> endobj 24 0 obj <> endobj 25 0 obj <> endobj 26 0 obj <> endobj 27 0 obj <>stream Certificate of Insurance: The ACORD 25 Certificate of Insurance form or a form substantially similar must be submitted to the Owner to show evidence the insurance policies and coverage required of the Contractor. Some of the most popular forms used in the insurance industry are the following: Certificate of Liability Insurance (25) Evidence of Property (27) Certificate of Property Insurance (24) If you haven't shown your certificate of insurance yet, don't worry. Approved Certificate of Insurance: ACORD - ACORD 24 (2016/03) - Certificate of Property Insurance Author: ACORD Corporation Created Date: 2/25/2015 10:22:53 AM . ACORD 24, Certificate of Property Insurance. If this certificate is being prepared for a party who has an insurable interest in the property, do not use this form. The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. The ACORD certificate of insurance was included. Showing a certificate of insurance can be evidence enough of the policy that you carry on hand. The updated study includes data and insights current as of this year. ACORD Forms are now available in a variety of formats, including printable PDF, electronic fillable, and eForms. Every company you hire or partner with should have their own business insurance protection. * Customer reviews are collected and tabulated by The Hartford and not representative of all customers. this certificate is issued as a matter of information only and confers no rights upon the certificate holder. INSURED INSURER A : PHONE (A/C, No, Ext): PRODUCER PRODUCER CUSTOMER ID #: ADDRESS: E-MAIL . The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. PROPERTY DAMAGE $ BODILY INJURY (Per accident) BODILY INJURY (Per person) COMBINED SINGLE LIMIT . trailer << /Size 29 /Info 12 0 R /Root 14 0 R /Prev 8246 /ID[] >> startxref 0 %%EOF 14 0 obj << /Type /Catalog /Pages 1 0 R /JT 11 0 R >> endobj 27 0 obj << /S 36 /Filter /FlateDecode /Length 28 0 R >> stream Not every company is going to have full coverage, and this might be something that is important to them. Converting Your Operations into a Competitive Advantage, ACORD Releases Results of Insurance 2040 Survey, DXC Technologys SICS Solution Integrates ADEPT to Enable Efficient Data Exchange for Reinsurers, ACORD Releases New GRLC Standard for Contract, Risk & Pre-Accounting, Guidewire Software Selects ACORD Solutions Groups ADEPT as Strategic Messaging Service. 0000006298 00000 n This one page long document usually contains details of the insurance coverages and the policies issued the insurance company. Categories: Acord Forms | BOP | Childcare | Commercial Auto | Commercial General Liability | Commercial Property | Commercial Umbrella | Contractors | Cyber Liability | Environmental | Errors & Omissions | Flood | Insurance Knowledge Base | Management Liability | NAICS Codes | Non Profit | Product Liability | Sexual Misconduct Liability | SIC Codes | Technology | Wholesalers & Distributors | Workers Compensation. An ACORD certificate may also be requested by a bank or mortgage company for a property they hold the mortgage on, or by an equipment leasing company when they lease equipment for a project. ACORD Certificate of Property Insurance It is important for you to make sure that you protect all assets associated with your business, no matter what they are. this certificate does not affirmatively or negatively amend, extend or alter the coverage afforded by the policies below. A Certificate of Insurance is a document, either electronic or physical, which shows anyone you work with that you have a valid business insurance policy. this certificate does not affirmatively or negatively amend, extend or alter the coverage afforded by the policies below. Is Your Small Business Prepared for a Lawsuit. There are millions of them that are given out each year, and it is most often done when an insurance policy is renewed or opened. An ACORD certificate of insurance is usually requested directly from the broker or insurance company. vv6T4USj[{$6S! {S)P)G Claim your 2023 license for vendor-supplied ACORD Forms. ACORD Forms are now available in a variety of formats, including printable PDF, electronic fillable, and eForms. We specialize in protecting IT/technology, marketing, consulting and many other small businesses, tailoring coverage to the specific risks in each industry.We dont offer a one-size-fits-all insurance plan. The 4Q22 update highlights the latest insurance trends and insights, and outlook for the industry in the new year. An ACORD certificate of insurance is usually requested directly from the broker or insurance company. Property and Casualty Certificates of Insurance Certificates are used to show proof that an organization or person has insurance coverage. A Certificate of Insurance form is a document that provides information about insurance policies to third parties - but is not an insurance policy. 0000000895 00000 n Using ACORD's standardized Forms allows for increased efficiency, accuracy, and speed of information processing. ACORD Membership provides influence, access and collaboration to the global insurance industry. If you have entered policy detail information, then AMS360 uses that data to create the certificate. Business insurance companies came together in the 70's and formed the Association for Cooperative Operations Research and Development (ACORD). Please note: You must subscribe to an eligible Forms program to download ACORD Forms. 0000007404 00000 n certificate may be issued or may pertain, the insurance afforded by the policies described herein is subject to all the terms, exclusions and conditions of such policies. Insurance Requirements. This reduces the risk that public entities will be brought into a . Most COI are from a company called Acord, and are sometimes referred to as "Acord certificates." When validating these certificates, make sure that the company name exactly matches what is on the insurance policy. evidence of property insurance may be issued or may pertain, the insurance afforded by the policies described herein is subject to all the terms, exclusions and conditions . ACORD stands for Association for Cooperative Operations Research and Development is an international organization that provides standardized certificates and forms in the sector of insurance and related financial services industries. hbbd```b``" A$S=[ The ACORD name and logo are registered marks of ACORD COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: INSURED PHONE (A/C, No, Ext): PRODUCER ADDRESS . 0000000667 00000 n We are continuously evolving so join us, and lets evolve together. limits shown may have been reduced by paid claims. As a business owner, a certificate of insurance should always be in your grasp. The following the ACORD Certificate of Insurance forms available to be issued as proof of insurance: For more information, see the full ACORD forms list. evidence of property insurance may be issued or may pertain, the insurance afforded by the policies described herein is subject to all the terms, exclusions and conditions of such policies. ]7vj)qjk;rJSJ) S.ptxz:\N=VS/w^O!~s Youll want to be able to provide it to any prospective client who asks for it. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). ACORD U.S. Property & Casualty Value Creation Study (2022 edition), Informational Scale & Scope: The Key to High Performance. We are continuously evolving so join us, and lets evolve together. As a small business owner, you can require an ACORD certificate of prospective contractors, subcontractors, or vendors to determine if the people you are considering doing business with are properly insured. YY,0`ixy1H !9 l__0Dt`1l y3E@`ECQg{yMO&N^y acord certificate of liability insurance i date (mm/dd/yyyy) must have valid date this certificate is issued as a matter of information only and confers no rights upon the certificate holder. the acord name and logo are registered marks of acord coverages certificate number: revision number: insured phone (a/c, no, ext): producer address: e-mail fax (a/c, no): ACORD CERTIFICATE OF LIABILITY INSURANCE Date (MM/DD/YY) PRODUCER 1 3 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION . What Artisan and Service Contractors Insurance covers. %%EOF 0000004528 00000 n hk(E*bc#xh$ZDB\!BU}z`R}. authorized representative 1995-2015acord corporation. Hki0&~1ts#\[,&n.0-'#Q);Is*]\WiVhzp)". 13 0 obj << /Linearized 1 /O 15 /H [ 733 162 ] /L 8634 /E 7583 /N 1 /T 8256 >> endobj xref 13 16 0000000016 00000 n Its important to have the latest version of your ACORD certificate. The ACORD name and logo are registered marks of ACORD COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: INSURED PHONE (A/C, No, Ext): PRODUCER ADDRESS: E . This is a really easy document to get, and it is fairly straightforward when you look at it. 0 should any of the above described policies be cancelled before the expiration date thereof, notice will be delivered in accordance with the policy provisions. To get your certificate, start with a business insurance quote. Certain coverages vary by state and may not be available to all businesses. Since the certificate form is updated periodically, ask your agent each year when your policy renews if there is a new certificate. In its earlier time, It was settled as a non-profit organization by insurance carriers and agents focused on building . Because it is so easy to request, you should ask for a copy from your insurance broker today. location / description . Search and download from the ACORD Forms library. Before handing it out to clients, get a copy sent to yourself so that you can look over it. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. listed in the. %PDF-1.6 % Copyright 2023 SCORE Association, SCORE.org. You will not have normal access rights until you do. An ACORD certificate is so-called because it is governed by the Association for Cooperative Operations Research and Development, a non-profit organization that provides standardized forms and certificates for almost 90% of US property and casualty insurance carriers. What is a certificate of insurance Acord? Not only is having insurance a necessity, but having your proof of it right there is something that can help make a client feel more comfortable working with you. The client does not want to be responsible or held liable for any damages, injuries, or bad work. The ACORD name and logo are registered marks of ACORD If this certificate is being prepared for a party who has an insurable interest in the property, do not use this form. 3 Field # Field Name Instructions . Learn How to Read an ACORD 25 Certificate of Liability Insurance The ACORD 25, or Certificate of Liability Insurance, is one of the more recognizable documents in the commercial insurance business. Since an ACORD certificate is a standard document used by most carriers, an organization can quickly determine if a prospective contractor has the insurance company required for a particular project. You may have heard the term certificate of insurance (COI), and you might have even looked one over. How to Calculate Business Income for Insurance. Different policies have different things covered, so reading through the benefits and limitations of the policy can better prepare them for if something were to go wrong. the terms and conditions of the policy, certain policies may require an endorsement. A company or government agency can compare the insurance coverage that each bidder carries against the projects specifications. According to a Small Business Association Office of Advocacy report, the cost of litigation for small firms can range anywhere from $3,000 to $150,000. A requestor may ask for one or more certificates, depending on the types of insurance required. ACORD facilitates fast, accurate data exchange and more efficient workflows through the development of electronic standards, standardized forms, and tools to support their use. An ACORD certificate of insurance is typically a one-page document summarizing key information about your business insurance policy. Make sure you can . It provides all the information a client would need to determine whether or not you have the insurance they require. When validating these certificates, make sure that the company name exactly matches what is on the insurance policy. cancellation . terms and conditions of the policy, certain policies may require an endorsement. An ACORD certificate can be provided upon request by your insurer. Your small business insurance policy and certificate of insurance should work hand in hand to provide your clients with the knowledge that they are not going to be held liable if something goes wrong. In the 1970s, the Association for Cooperative Operations Research and Development (ACORD) was formed by insurance companies in an effort to minimize confusion and unify their approach to liability insurance policy forms. The Hartford Financial Services Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartfords Legal Notice. Filing requirements and other information for Forms that ACORD files on behalf of licensed users in various jurisdictions. All rights reserved. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). business personal property. "YH 0yLBt}EA$WD2u1- l^`0 "yX*gE$cf1X,"WEzAXLHfbd Vod&m1]b"&!I-Li`y`VCn@ )? ACORD publishes and maintains an extensive library of standardized forms - including the certificates of insurance - documents that is given to provide information about different insurance policies. property damage $ $ $ $ . this certificate of insurance does not constitute a contract between the issuing insurer(s), authorized ACORD released a new GRLC Standard for Contract, Risk and Pre-Accounting to facilitate the efficient exchange of contract information among industry stakeholders, a significant milestone for the Lloyd's Blueprint Two initiative and the global market. 0000004310 00000 n Every day, the team at FOA delivers hundreds of ACORD 25 forms to and on behalf of our clients. hb``0e``1d```Z Ed0m q=(Pv1+e>"@ \'R In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation. ACORD certificates are available for general liability insurance, property insurance, automobile insurance, aviation and aircraft insurance, and more. All rights reserved. Gain access to ACORD Forms tailored to your organizations needs. Informational Scale & Scope: The Key to High Performance. location of premises / description of property (attach acord 101, additional remarks schedule, if more space is required) certificate number: revision number: To ensure you and your customers both have legal peace of mind, get an ACORD certificate of insurance. endstream endobj 16 0 obj <><><>]/ON[72 0 R]/Order[]/RBGroups[]>>/OCGs[72 0 R]>>/PageLabels 11 0 R/Pages 13 0 R/Type/Catalog>> endobj 17 0 obj <>/ExtGState<>/Font<>/ProcSet[/PDF/Text/ImageC]/XObject<>>>/Rotate 0/TrimBox[0 0 612 792]/Type/Page>> endobj 18 0 obj <>stream this certificate does not affirmatively or negatively amend, extend or alter the coverage afforded by the policies below. 2002 - 2023 ACORD. Interact with our Standards experts, influence global standards development and collaborate with influencers in the industry. EVIDENCE OF COMMERCIAL PROPERTY INSURANCE . However, understanding an ACORD certificate of insurance can be confusing if you are not regularly looking at them for a living. ACORD and the staff at Westport Ins. PROPERTY DAMAGE $ BODILY INJURY (Per accident) BODILY INJURY (Per person) COMBINED SINGLE LIMIT . With the proof of insurance, the client can feel better about working with them. the insurance certificate. Create Certificates of Property Insurance in eForms Manager. endstream endobj startxref 2002 - 2023 ACORD. Additional Insured Endorsement: Original Additional Insured Endorsement(s) signed by an authorized insurance company representative(s). CERTIFICATE HOLDER The ACORD name and logo are registered marks of ACORD. %PDF-1.2 % All opinions, and/or recommendations expressed herein are those of the author(s) and do not necessarily reflect the views of the SBA. The ACORD name and logo are registered marks of ACORD Page 1 of 2. An ACORD certificate may also be requested by a bank or mortgage company for a property they hold the mortgage on, or by an equipment leasing company when they lease equipment for a project. Request a certificate of general liability insurance through your agent. BELOW. Hb``c`` (- . The ACORD certificate serves as proof that a business has the type of insurance coverage to protect against against claims of: All business owners want to feel confident that they wont be held liable for mistakes caused by third parties. What Is a Data Modernization Strategy and Why Do I Need One? Stay up to date on revisions to the ACORD Forms. This standardized form is used to summarize all of the essential information on your insurance coverages, including coverage types, policy limits, and dates of coverage. Companies or contractors who work for you should be able to provide proof of liability insurance coverage before any work begins. This can include when a subcontractor is getting a job with a general contractor, proving they have commercial general liability insurance, or showing property insurance for equipment they are holding, or when they need to provide evidence of their worker's compensation insurance for a contract.
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