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Expert Analysis

When Do NY Certificates Of Insurance Count As Coverage?

Law360, New York (May 26, 2015, 12:17 PM EDT) -- The general rule in New York is that a certificate of insurance (COI), by itself, does not provide insurance coverage. That means that businesses that rely solely on COIs as evidence of their status as additional insureds might not actually be covered in the event of a loss. A recent New York case, however, is a reminder that this general rule is not the end of the inquiry and that there are possible ways to still get recovery....

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