Few years back one of my employee may have issued certificate of liability insurance on a cancelled workers com policy. Few months later insured had a claim which was obviously denied by the insurance company. Now the insured is using those certificates aginst me even though he was informed via fax ( I have the confirmation on file) that his insurance was cancelled.
Can somebody please tell me what is the legal value of those certificates.?
MFP
Legality of certificate of liability insurance.
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Legality of Workers Compensation Certificates
Perhaps you thought you were in the Lawyers Forum?
As a professional insurance agent, I do not believe I have a license to practice law!
As a professional insurance agent, I do not believe I have a license to practice law!
I agree that you need to get your E&O carrier on board right away. You need to get every scrap of paper & electronic media available for them. I would also suggest you put into place a policy for verifying coverage prior to issuing certs so at least when your carrier asks what you've done to make sure this never happens again you have an answer.