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...(58,831), furniture (11,612) and foundries (6,085). 122,554 employees ex... 12,643), laboratories (12,220) and foundries (10,594). 1,950,429 employ...

... affirmatively or negatively amend, extend, or alter the coverage afforded by the policies listed thereon. This attempt to establish that the certificate is not a contract is crucial to upholding the provisions cited above. Again, this statement reiterates that the certificate isn't part of the insurance contract and, thus, can't modify it. It's clear that the certificate doesn't, and can't, modify the policies. Several insurance departments have held that certificate language can't be modified in conflict with policy language (including that regarding cancellation) and at least one state requires certificates to be filed and approved just like policy forms. For more information, check out our article ' Additional Insureds and Certificates. Courts have generally held that a certificate of insurance doesn't grant any contractual rights to the certificate holder. In United States Pipe & Foundry Co. v. United States Fidelity & Guaranty Co., 505 F.2d 88 (5th Cir. 1974), the court ruled that the certificate didn't grant contractual rights since there had been no exchange of consideration as required to effect a valid, enforceable contract. One wonders, though, if at some point a certificate holder might allege that the consideration provided was the granting, for example, of a construction contract in exchange for the certificate and assurance of coverage, cancellation notice, etc. In Lezak & Levy Wholesale Meats, Inc. v. Illinois Employees Insurance Co., 460 N.E.2d 475 (Ill. Ct. App. 1984), the court refused to permit the coverages implied on the certificate to supercede those actually provided under the insurance contract based on the fact that ...

...in a hot environment. Workers in foundries, laundries, construction projects, ...