Certificate holder and additional insured requests
Keep the recipient’s identity separate from requests about insurance policy status.
Use separate places for separate questions
When preparing your request, record the client’s recipient details in the certificate holder fields. If the client also asks to be an additional insured, highlight that request separately and ask your agent what applies under your policy.
Our builder deliberately separates these inputs. Entering a recipient name is not the tool’s confirmation of additional insured status. Selecting an additional insured request adds a question to the generated message; it does not change an insurance policy.
Why exact wording matters: a Texas example
The Texas Department of Insurance explains that, where a policy contains only a blanket additional insured endorsement, a certificate cannot name the holder as an additional insured in the manner described in its FAQ. It may state that the policy contains that blanket endorsement. The same FAQ limits cancellation-notice statements to what the policy and applicable rules support.
These are Texas-specific rules. They are an example of why your agent needs to review the actual request, policy and jurisdiction rather than simply copying a client’s preferred certificate wording.
Questions to send your agent
- Does the existing policy address the client’s request?
- What conditions, documents or endorsements need review?
- What documentation can you provide?
- Is further action needed, and are there costs or timing implications?
A practical preparation habit
Keep the original client instructions alongside the questions you send. If the terminology is unclear, ask the client to clarify their request and let the agent interpret the insurance implications. Do not edit issued documents to make the wording appear to match.
Source and scope
Texas Department of Insurance: Certificates FAQ, questions 1 and 5. Source checked October 27, 2026. This guide does not provide a nationwide legal interpretation or assess any individual policy.