What does an "insurance certificate" indicate?

An insurance certificate is a document that serves as verification of an existing insurance policy. It outlines key details about the coverage, such as the type of insurance, the policy number, the effective dates, and the named insured. This document is often used to prove to third parties, such as clients or contractual partners, that a policy is in force and meets certain requirements.

For example, a contractor might need to present a certificate to a client to demonstrate that they have liability insurance before starting work on a project. The certificate provides a summarized view of the policy without disclosing all the policy details, making it a convenient tool for confirming coverage.