By requesting a certificate of insurance, you acknowledge that the policyholder is responsible for ensuring that the coverage specified in the policy (or policies) listed therein is compliant with the terms stated in a work contract. As a precautionary measure, we strongly advise the policyholder and its affiliates to seek legal counsel for a thorough review of the full policy terms, conditions, exclusions, and endorsements that may modify, delete, or expand coverage provisions before entering into any contractual agreements. A Certificate of Insurance does not create a contract between the insurer, producer, or representative and the certificate holder.