Certificates of insurance
Landlords, general contractors, auctions, and lenders ask for proof of coverage today. For current clients, a standard certificate of existing coverage is often issued the same business day.
If the request also changes the policy, that work follows a different path.
What a certificate is
A certificate of insurance is a snapshot. It tells a third party that coverage is in force and lists the limits and named insured as they stand on the policy.
It does not add an additional insured, raise a limit, or waive a requirement that is not already on the form. Those requests are endorsements, and they can need carrier approval.
How requests are handled
Landlord, general contractor, auction, lender, or property manager. The holder name, address, and any job or loan reference should come with the request so the certificate is issued to the right party.
If the contract only asks for evidence of insurance, a certificate may be enough. If it asks to be added as additional insured, that is a coverage change. We will say so before treating it as a same-day certificate.
Call the office and ask for Catherine Gordon, Account Manager. From certificates to claims, she keeps day-to-day service moving. Dealers requesting auction or lender certificates should also see garage liability.
Details
What does a certificate of insurance prove?
A certificate of insurance is a document that shows current coverage to a third party. It describes the policy in force. It does not change the policy, add coverage, or bind the carrier to terms that are not already on the form.
When is an additional insured endorsement required?
A contract may ask to name another party as an additional insured. That request is a coverage change, not a certificate. It may require carrier approval and is not guaranteed on the same timeline as a standard certificate of existing coverage.
Can I get a same-day certificate of insurance?
Standard certificates that show existing coverage are often issued the same business day for current clients. Additional insured endorsements or coverage changes can require underwriting or carrier approval and may take longer.
Office hours are Monday through Friday, 9 AM to 5 PM. Saturday is by appointment.
Named insured, certificate holder name and address, job or contract reference, whether additional insured or waiver language is requested, and a copy of the insurance requirements when they exist.
Is this event or vendor insurance?
No. This is a commercial insurance brokerage certificate for dealers, auctions, lenders, contractors, and other commercial clients. It is not event or vendor insurance.
Contractors often start from contractors insurance. Property owners use commercial property.
Where is the office and what is the phone number?
The office is at 5021 Vernon Ave S #161, Edina, MN 55436. Call (612) 712-6407.
Meet the team on About.
Service
Existing clients should call and ask for Catherine Gordon. New businesses that still need a policy start with a coverage review, not a blank certificate.
How a request works
Holder name, job or loan reference, and whether the contract asks for more than proof of coverage.
If it is a certificate of existing coverage, it is issued. If it changes the policy, we route it for approval.
You receive the certificate or a clear note on what the carrier still needs.
Edina, Minnesota
Current clients can call the office. If you still need a policy in force, start with a commercial insurance review.