The acord certificate explicitly addresses if ANY PROPRIETOR/PARTNER/EXECUTIVE OFFICER/MEMBER EXCLUDED? If yes, describe under SPECIAL PROVISIONS below. The explanation would relieve the certificate issuer of any E&O exposure. The burden would then be on the certificate holder to demand the incl...

GA. I noticed there were no replies because nobody clearly knows. They are called Phantom Policies. A certificate that indicates there is a W/C policy but offers no coverage because any and all officers can elect to be excluded (up to 5). The minimum premium through the NCCI is $1,500 as a assigned ...

GA The Hartford (Select) has a great BOP for small-medium machine shops.