small business insurance quotes
A Certificate of Liability Insurance (also called an Insurance Certificate, a Certificate
of Insurance, and Proof of Insurance) is a one-page summary of the important information
included in a business insurance policy. Information in a typical Certificate of
Liability Insurance includes…
Certificates of Liability Insurance are useful because they allow contractors, freelancers,
and small-business owners to demonstrate proof of insurance and share coverage information
with clients through a single-page document rather than an entire insurance policy.
Take a look at this
sample Certificate of Liability Insurance [PDF] to see what a typical cert
When a business contract requires you to show proof of insurance, you need to have
a Certificate of Liability Insurance. But you don’t get this certificate by
purchasing it directly. Instead, you receive a certificate after buying an insurance
When you buy insurance through Tech Insurance, you can get a Certificate of Insurance
for any of the following policies:
If you already have insurance, getting a certificate should be easy. Current Tech
Insurance customers can request a certificate by completing our
Certificate of Insurance Request Form, which lets you print your certificate
If you don't yet have business insurance, you can secure proof of insurance
when you purchase a policy. Start the process of getting coverage and a Certificate
of Liability Insurance right now by filling out an
online insurance application.
Certificates of Liability Insurance can be used to demonstrate proof of coverage,
which is often a key step in securing a new contract.
For example: Imagine you're about to close a contract with a new client. You'll
be installing new sales software on their computers and overhauling a slow, outdated
network. However, the contract requires you to have a Certificate of Liability Insurance
that shows you have $1 million in Errors and Omissions Insurance before they’ll
sign any paperwork.
If you already have an E&O policy with a $1 million limit, you can request a
Certificate of Insurance from your provider. If you don’t yet have insurance
that meets these requirements, you can typically secure a new policy and certificate
in as little as 24 hours.
A client may ask you to provide a Certificate of Liability Insurance for a number
of reasons, including…
Insurance certificates simplify the process of signing contracts. They provide a
quick way for businesses to exchange important information about their coverage
in an easy-to-read document they can keep on file.
IT project managers often hire independent contractors and subcontractors. Project
managers must make sure that every party has proper insurance coverage and complies
with the terms of their employment contract.
If you're leading an IT project, you will likely have to do one of the following…
(Note: adding an additional insured doesn't mean that they are fully covered
by your policy. Instead, it means that your insurance will cover some of their liabilities.)
Most Certificates of Liability Insurance include a disclaimer that notes that the
document is meant for informational purposes only and cannot be used to collect
actual insurance benefits. This legal distinction means little in practice; if you
have an insurance policy and a Certificate of Insurance for that policy, you should
have no problem collecting benefits when you need them.
Figure out which insurance you need based on the language in your contracts.
Learn your risks, how insurance protects you, and what a typical policy costs.
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