Certificate Holder

What Is a Certificate Holder (for Insurance)?

A certificate holder is a person or business who receives a Certificate of Insurance (COI) to verify the policyholder has active coverage. They “hold” a COI as proof of insurance for their records, but aren’t necessarily covered by the policy.

For example, a venue might ask a caterer for a copy of their COI before an event. Once they receive that COI, the venue becomes a certificate holder with confirmation of the caterer’s liability coverage.

Policyholder vs. Certificate Holder vs. Additional Insured

Policyholder (Named Insured): The person or business directly covered by the insurance policy
Certificate Holder: A person or business who receives your COI as proof you’re insured
Additional Insured: A qualified third party you add to your policy so your coverage extends to them

Example: What Is the Certificate Holder on a Certificate of Insurance?
You might say, “My property manager asked me, the policyholder, for a copy of my COI. They also requested to be added as an additional insured, so my coverage extends to them. Once I give them my COI, they’re considered a certificate holder, with their name listed as an additional insured. Now they know I’m covered — and that they are, too.”

No, certificate holders simply hold your COI as proof you’re insured. The COI acts as a green light that it’s safe to do business with you, but it doesn’t give them any coverage under your policy.

Certificate holders are often:

  • Landlords
  • Property managers
  • Event organizers
  • Venues
  • Clients


Anyone who needs assurance that you’re covered before agreeing to work with you can be a certificate holder.

Add someone as an additional insured only when they specifically request it! Otherwise, it’s enough to provide them with your COI so they remain a certificate holder.

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    Exclusions

    This policy is not designed to cover:

    • Industrial control engineers
    • Defense contractors
    • Medical software companies
    • Crypto exchanges
    • Gambling platforms
    • Physical security system installers
    •  Heavy equipment integrators

     

    Not available if you manage or control systems involving:

    • Pressure or ventilation systems
    • Fire suppression or explosives
    • Hazardous materials
    • Radiation or pharmaceuticals
    • Water supply or waste management
    • Energy, fuel, mining, construction
    • Environmental systems
    • Aircraft, drones, spacecraft
    • Watercraft, trains, automobiles, motorcycles
    • If you build firmware or embedded software controlling industrial physical equipment.
    • If you support:
    • Military operations
    • National defense
    • Homeland security
    • Law enforcement
    • Weapons
    • Anti-terrorism
    • Public safety
    • Surveillance
    • Crime detection
    • Emergency response
    • Physical security systems
    • If more than 25% of your revenue comes from:
      • Federal government work
      • Military or defense operations
    • If more than 50% of your revenue comes from:
    • Equipment installation
    • Maintenance
    • Physical service work



    Restricted if you work in:

    • Ride-sharing platforms
    • Equipment sharing platforms
    • For-rent-by-owner platforms
    • Help-for-hire platforms
    • Delivery services
    • Banking or financial services
    • Cryptocurrency / blockchain / NFTs
    • Geospatial mapping / aerial photography
    • GPS systems
    • Gambling or gaming
    • Dating or sexually suggestive content
    • Violence-related content
    • Alcohol, marijuana, CBD
    • Tobacco / nicotine / e-cigarettes
    • Flammable or electrical products
    • Food-related services

    Our licensed, U.S.-based agents are here for you from 8 a.m. to 8 p.m. Eastern, Monday through Friday, so they can enjoy evenings and weekends with the people who matter most.