• 6 minutes

Why Does It Matter That Brokers, Rather Than the Insurance Company, Send Certificates of Insurance


Does it make a difference?

Certificates of insurance may be pre-printed ACORD forms which contain a disclaimer that they are issued for information purposes only and do not confer legal rights. Certificates of insurance do not guarantee that the insurance company has recognized the nature of the coverage to be provided. Insurance companies only might be bound by the representations made in the insurance companies’ certificate of insurance, not those made in a broker’s certificate of insurance. The insurance company will contend it is not bound by the broker’s representations in the broker’s certificate of insurance. This video reviews the argument as to whether the broker is the agent of the policyholder of the insurance company.

Runtime: 5 minutes



Robert M. Horkovich, Esq.

Robert M. Horkovich, Esq.

Anderson Kill P.C.

  • Managing shareholder of Anderson Kill P.C., a national policyholder law firm
  • Recovered more than $5 billion from insurance companies for policyholders since 1989
  • Trial counsel for the State of California for insurance recovery for the Stringfellow Acid Pits
  • Engaged on several significant projects by the United Nations as its general insurance counsel
  • The go-to person in the area of insurance recovery, according to a client cited by Chambers USA, which has recognized him as a leading insurance recovery attorney every year since 2005
  • Achieved the highest rating with Martindale-Hubbell Law Directory
  • Can be contacted at 212-278-1322 or [email protected]

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