Certificates of Insurance and CT Law
Connecticut’s Certificates of Insurance Law, Public Act 14-74, prohibits certain requests, which create inaccurate or misleading certificates of insurance. These requests have become prevalent. A certificate of insurance is defined as “a document or instrument that is prepared or issued by an insurer or insurance producer as evidence of personal risk insurance or commercial risk insurance.”
Specifically, the law prohibits any person from:
- preparing, delivering or issuing for delivery a certificate of insurance that contains any information about the coverage provided by the referenced policy that is false or misleading;
- preparing the alteration or amendment of a certificate of insurance, delivering or issuing for delivery a new certificate, unless that new certificate, alteration or amendment is accurate in its statement of the provisions of the referenced policy; or
- representing that either a certificate of insurance grants new or additional rights to any person beyond those provided in the referenced policy or amending a certificate if that amendment alters, extends or amends the coverage provided by the referenced policy.