If you issue a Certificate of Insurance it is no more than information that insurance is in effect as shown on the Cert and for the time shown.
Most insurers these days do not require that you send them copies of those Certs. That increases your obligation, legally or not.
Concurrently, because you communicated that coverage was in effect when you issued those Certs, in doing so you have created an obligation to notify the Cert holders when coverage is terminated prior to the dates you show on the Certs. It is no longer the insurers' obligation.
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