The Real Risk of Certificate of Insurance Blind Spots

Certificates of insurance are often treated as a formality — but relying on them without deeper review can expose restoration firms to serious risk.

A certificate does not guarantee coverage. It doesn’t confirm:

• Proper policy limits

• Active endorsements

• Additional insured status

• Coverage for specific restoration services

Many contractors assume subcontractors are fully insured, only to discover exclusions after a loss occurs.

ARI Brokers works with restoration companies to look beyond the certificate. We verify actual policy language, ensure endorsements are in place, and confirm coverage aligns with the work being performed.

In restoration, assumptions are costly. Insurance verification should be proactive — not reactive.