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Download PDF   Certificates of Insurance – Collection versus Compliance   Introduction The collection of certificates of insurance from third party’s does not mean you have coverage under their insurance, even if in the “Description of Operations” section it identifies coverage extensions to you.  You need to take the next step and review the third party’s key insurance policy language and/or endorsements, to confirm that their insurance policies have been properly issued and/or modified to extend the desired coverages to you. Taking this next step is critical, since when there is a claim, it is not the collected certificate of…