Throughout the years of providing professional liability brokerage to design firms nationwide, we have expanded our services to include a number of features that provide our clients more benefits than just a policy with coverages. One of the services we do not toot our own horn enough about is our certificates of insurance.
Hall & Company has invested in a program that allows customers to produce their own certificates of insurance at any time, and from nearly any device. This means you can produce certificates from the field, at any time your clients need one. We provide a password protected portal where customers can enter the certificate information and receive an electronic copy to print and forward.
From time to time we provide you with important information regarding the challenges or changes involved with the issuance of certificates of insurance. The following is designed to provide you with answers to some frequently asked questions regarding certificates.Q: What is a Certificate of Insurance?
A: A certificate of insurance is a document that summarizes information about your in-force insurance policies to verify the terms of your insurance coverage. It lists the insurance types, limits, deductibles and effective dates. The need for a certificate typically is generated by a client or project owner who wants documentation that certain insurance requirements are being met. Your customer service representative at Hall & Company can help you determine whether or not your current coverage satisfies the requirements of a contract, and can help you if changes to your insurance coverage are needed to comply with the contract requirements.
A: Hall & Company provides all of its clients with a client portal that allows them to issue and update certificates 24/7. It’s as simple as going to the portal at our website, logging in with your username and password, and entering the certificate holder information for the certificate. From the portal you can email the certificate to various recipients directly. A detailed demonstration of this process is available here. VIDEO DEMO LINK
A: Certificates do not renew automatically because your review and approval of the certificate holders is required before a new certificate can be issued. A history of all certificates that have been issued for your firm is maintained on the client portal so that you can review and update the certificate holders prior to renewal. We will notify you at the appropriate point in each year when it is time to update your certificate list. During this update process you will identify certificates that you do not want renewed and note any changes that are needed to update addresses, contact names, and other pertinent certificate information. Once you have completed the update process, your Customer Service Representative at Hall & Company will be notified by the client portal that you have completed this process and renewal certificates will be generated and distributed upon your renewal.
A: Demonstration videos are available at the portal log-in page, or you can contact your customer service representative at Hall & Company anytime you need assistance with the client portal. We are happy to offer personal assistance to help you learn to navigate the system.
A: The client portal is designed to handle standard certificate issuance. However, there are instances where special language or endorsements are needed on the certificate to satisfy specific contractual requirements contained in the agreements with your clients. In these instances, you will need to contact your customer service representative at Hall & Company so that we can review the contract requirements, endorse your coverage if necessary and issue the certificate with custom language on your behalf. To do this we will need a copy of the insurance requirements contained in your client contract along with your client’s name, physical address, and the contact person’s name and email address. We will contact you if there is anything to prevent us from complying with the insurance requirements, or we will simply issue the custom certificate emailing a copy to both you and your client.
A: The most common requests from the clients of engineers and architects are:
- to be identified as additional insured by name on the general liability policy,
- to confirm waiver of subrogation is present in the client’s favor on the workers compensation policy,
- to verify that the general liability or professional liability policy has been endorsed to provide the client with notice of cancellation.
Each of these requires either customization of the certificate or endorsement of the policy, and in some circumstances what the client is requesting simply is not available. We will work with you to identify what is needed to issue the custom certificate or explain to you and your client why the certificate language or coverage being requested is not available.