A customer says, “We just need your insurance certificate before you start.” The next step is to share the actual request with your agency, not guess which wording belongs on the document.
In Texas, a certificate cannot change or extend the coverage provided by the underlying policy. It documents insurance information; it does not create missing coverage. TDI: Certificate of insurance questions
Send the request as a complete package
To make the review useful, gather:
- The customer's exact legal name and address for the certificate request.
- The written insurance requirements, including the relevant contract pages.
- A description of the work and the location involved.
- The expected start date and the certificate deadline.
- The delivery instructions and the contact person for questions.
If there is a sample certificate, include it as a reference. Do not assume the sample accurately describes your policy or can simply be copied.
Separate the document from the coverage request
A request may involve more than sending evidence of an existing policy. For example, a contract might request additional insured status or other specific insurance provisions. Ask the agency what the current policy provides, whether an endorsement is needed, and whether the insurer can meet the request.
Being identified as a certificate holder is not, by itself, the same as being an additional insured. The applicable policy and endorsements determine coverage. TDI specifically prohibits certificate language that alters, amends, or extends the policy. TDI: Certificate requirements
Give the review room to happen
If a Waco customer sends requirements the afternoon before work begins, flag the deadline immediately. Do not promise that the agency can meet it or that requested changes are available. A clear deadline helps prioritize the conversation; it does not eliminate underwriting or documentation requirements.
Before work starts, confirm which requests have been satisfied and which remain unresolved. Insurance review also does not replace legal advice about the contract itself.
Keep the final certificate, related correspondence, and any policy changes together. If the scope of work, customer, location, or dates change, ask whether an updated review is needed rather than editing an old certificate yourself.
Your next step: Contact the agency about a certificate request. Describe the request first; the agency can explain how to provide the supporting documents.