Legality of certificate of liability insurance.

[MFP]

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

[miinsguy]

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!

[mccluney]

You have no choice at this point. Notify your E & O carrier at once. And Let them advise you. The way E & O apps are worded requires you to notify them of any incident that might result in a claim.

[bindscott]

mccluney is right. Notify your E & O carrier immediately.

By the way, what was the reason(s) for cancellation? Hope you didn't cross out any wording or made modifications on the certificate.

[CATHIEA]

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.