Description of Operations

This field is used to show a brief “snapshot” of the types of coverage being provided, and who is specifically being afforded with the coverage, project or location information can be shown when applicable also. 

Currently, there is a lot of discrepancy with this field on certificates of insurance.  Many U.S. states are adopting rules and law that prohibit agencies from providing language in this field that could potentially misrepresent coverage that is, or is not, included in an actual policy.  For example, just because endorsements are included in a policy, and specific legal entities are added as Additional Insureds, doesn’t mean that coverage will actually be afforded in the event of a claim.  The reason for this, is because there are many factors involved when a claim is filed (i.e. proving negligence or fault, deliberation, etc. etc.).  It’s possible that an agent could show that a certain coverage is being afforded, but then a specific insurance claim denies coverage due to certain circumstances, and then the agent is on the hook for misrepresenting coverage.