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Certificates of Insurance are not Actual Proof of Insurance

Everyone is familiar with the standard ACORD form certificate of insurance. Nearly every construction contract requires that all parties on a job site provide the construction manager and/or owner...

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Proof of Insurance: Get a Copy of the Policy!

In a battle between a policy and a certificate, the policy controls. In the real world this means that a certificate of insurance may show that the general contractor is an additional insured under...

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