{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Speaking of Insurance","title":"Why Your Certificate of Insurance Gets Rejected Even When You Have Coverage","html":"","width":"100%","height":180,"duration":1090,"description":"California contractors and business owners can face costly delays when a certificate of insurance doesn’t meet a project’s requirements. Having insurance in place is only the first step, making sure the paperwork, endorsements, entity names, and coverage terms align with the contract is what keeps a job moving.\n\nIn this episode of Speaking of Insurance, Aaron Bollinger breaks down why certificates of insurance get rejected and what contractors should do before a documentation issue becomes a scheduling problem. He explains the difference between a certificate holder and an additional insured, why a certificate can’t create coverage that isn’t supported by the policy, and how to give your broker the information needed to review project requirements properly.\n\nAaron also covers key requirements that commonly cause confusion, including ongoing versus completed operations, primary and non-contributory wording, waivers of subrogation, blanket endorsements, legal entity names, policy limits, and renewal documentation.\n\nIn this episode, we cover:\nWhy certificates of insurance get rejected: Understanding the difference between the construction contract, the insurance policy and endorsements, and the certificate that summarizes coverage.\nCertificate holder vs. additional insured: Why listing someone on a certificate does not automatically make them an additional insured.\nOngoing and completed operations: Why construction projects may require both forms of additional insured protection.\nPrimary and non-contributory wording: What it means when a project requires your coverage to respond first.\nWaivers of subrogation: Why these requirements must be reviewed separately for general liability and workers’ compensation coverage.\nBlanket endorsements and policy wording: Why “we already have that” should always be verified against the project’s actual requirements.\nNames, limits, and renewals: How legal entity discrepancies, policy limits, and expiring coverage can hold up a...","thumbnail_url":"https://img.transistorcdn.com/Kwtahq_FfPLMUz7ez0spP-aXc8k-Jw0pJJEWOhgCwXY/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS9iYzVi/Nzc1YjNjOTJiOTBj/NWNiMTNjMTQ5OGY2/MTBkYS5wbmc.webp","thumbnail_width":300,"thumbnail_height":300}