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... they list the primary and all excess policies? I could not locate any specific legal precedent while researching this issue. It makes sense to list only those &# 160coverages applicable to the request for the cert. For example, when sending a certificate to a general contractor, you would probably need to list only the Workers Compensation, Liability and Umbrella coverages, not property. I d also suggest that an agent include all applicable policies (primary and excess) unless the request for the cert asks only for limit/coverage verification ... to a certain limit. When an agent issues a certificate but the excess policy excludes certain coverage (example: pollution), should the agent list the excess policy? If the certificate request is to show proof of Pollution coverage, the agent should not indicate on the cert any policies that exclude this coverage. Listing the policies although the coverage was excluded (even with a notation) might confuse the certificate holder. If you need to issue a cancellation notice (some carriers are putting this on the agent's shoulders), should ... reissue the certificate and indicate "cancelled" on it? If so, should you include the limits? I don't believe I've ever seen a certificate reissued to show that coverage has been cancelled. I suggest sending a copy of the cancellation notice or, if you're going to use the certificate, clearly mark it CANCELLED and send it out. What should I do when I'm unable to furnish the certificate in the form requested by the certificate holder because the carrier won't allow it? In these situations, Joyce Sigler of the Jones ...

...ludes certain coverage (example: pollution), should the agent list the excess ...de you with certified copies of all Liability insurance policies in force for ...

... and service contractors. ... Pollution/ Environmental ...

... Open Doors For Ward Insurance Agency of Gatesville, opportunity did more than just knock. It walked in the front door and asked for an application. In about 1980, a controller from a construction firm office up the street walked in and asked if we had a contractor surety questionnaire, ' recalls John Ward, one of two principals in the family-owned business. The contractor had messed up the form provided by an out-of-town agent and needed a clean version to fill out. I said I could provide the same service for him locally ... , before Art Glatfelter went to bat for them. VFIS writes all lines of business except workers' compensation' for volunteer fire departments and emergency service organizations. Available coverages include injury-to-firemen liability, accident and sickness, vehicle agreed value for engines, errors and omissions liability, pollution liability, medical malpractice, bonding and others. VFIS currently insures more than 500 Texas volunteer fire departments and emergency service organizations, Regnier says, primarily in Houston , Dallas and San Antonio/Austin regions. The average premium is about $9 ,000, ... some departments paying as little as $3 ,500 and a few anteing more than $100,000. The Company estimates that about half of the state's 1,300 VFDs are target customers; the others are too small or are required to carry coverage through their city or county. The agency writes about two-thirds of its volunteer fire departments and emergency service organizations directly, with the remainder handled by a network of more than 70 agencies peppered across the state. Regnier refers potential clients to one of these agents if the client ...

...on surety bonds-guarantees that contractors will complete construction project...rage because they involve no public liability, Everhart notes. Avoiding ar...