Certificates/Documentation of Insurance
There are many circumstances which may give rise to a need to provide evidence that the University is appropriately insured or self-insured with respect to various risk exposures.
Upon valid request, UMDNJ-Risk and Claims Management will provide appropriate documentation of insurance or self-insurance coverage.
Physicians, residents and staff seeking evidence of their professional liability self-insurance coverage and/or loss experience history are referred to our Professional and General Liability Service Link.
Outside parties frequently ask UMDNJ to confirm various types of insurance in connection with business agreements. Risk and Claims Management will respond to these requests. Please provide us with the following information:
- Your name, title department, e-mail address and telephone number.
- Name and address of third party requesting evidence of insurance coverage.
- Brief description of the University activity, agreement or purchase agreement giving rise to the request.
- Copy of the relevant contractual agreement or purchasing contract.
- Type of insurance to be documented (ie; professional or general liability
workers’ compensation, pollution liability, property insurance, etc.).
Vendors and other third parties conducting business with UMDNJ may be required to provide evidence of their insurance coverage to the University.
This evidence is most commonly in the form of a certificate of insurance, click on this link to review a sample CERTIFICATE OF INSURANCE.
A certificate of insurance documents the insurance coverage in effect on the date of issuance for the insured party. A responsibility is placed upon the issuing insurance carrier or insurance broker to notify the certificate holder (recipient) in the event that the insurance is cancelled. In our sample certificate, the certificate holder is depicted on the lower left while the responsibility to notify clause is depicted on the lower right of the sample certificate. The insured party is depicted in the box marked INSURED on the upper left of the sample certificate. No other legal rights are afforded to certificate holder, unless expressly stated otherwise.
Other important sections of the sample certificate include:
- Type of insurance (being documented, such as general liability, professional
liability, workers’ compensation, excess umbrella liability).
- Limits of liability provided ($1,000,000 for general liability, plus $2,000,000
excess/umbrella liability in the sample). The insurance limits contained
in the certificate should be consistent with the insurance requirements
in the relevant contract.
- Any policy exclusions (see exclusion for products liability under general
liability in the sample.
- Special provisions are generally depicted in the box marked description of operations. In the sample form, the certificate holder (NJMS) is listed as an additional insured. An additional insured is afforded insurance coverage under the insured’s policy in the event that the business relationship gives rise to a covered claim or litigation.
It is common business practice to obtain certificates of insurance in the course of business. They are not, however, an iron clad form of protection for the certificate holder. However, they are the best existing form of documentation available in this regard. Copies of another party’s insurance policy or declaration page are inadequate because the policy(ies) can be cancelled without triggering notification to the certificate holder. For the same reason, a certificate of insurance not naming UMDNJ or its sub-divisions as a certificate holder is not acceptable.