Certificates of Liability Insurance - Insurance Declaration Pages

A Certificate of Liability Insurance (COl) is a one-page document issued by an insurance company to a third party (the Certificate Holder) which constitutes proof that the designated party was insured as of the date of issuance. A Certificate of Liability Insurance contains all of the essential details of an insurance policy including the:

  • Policy holder's name
  • Effective date of the policy
  • Types of coverage
  • Policy limits

Certificates of Liability Insurance are most commonly issued in connection with the following types of policies:

  • General Liability
  • Workers' Compensation
  • Employer's Liability
  • Automobile Liability
  • Excess/Umbrella Liability

A Declaration Page is a page from the actual insurance policy. It usually contains the same information found on a Certificate of Insurance but is not proof that the policy is in force.

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