Can a certificate of insurance grant new rights to the certificate holder?

The appropriate choice indicates that a certificate of insurance does not grant new rights to the certificate holder beyond what is already included in the original insurance policy. A certificate of insurance is essentially a document that provides evidence of the existence of an insurance policy, the coverage it offers, and the limits of that coverage.

While it may detail that a certificate holder has been added as an additional insured, or mention specific coverage, it does not change the terms or conditions of the policy itself. The rights and obligations established in the underlying policy remain intact. The certificate merely reflects the agreements described in the policy and serves as a proof rather than a modification of those agreements.

This understanding reinforces the nature of certificates of insurance as informational tools rather than legal instruments that create or modify rights. Therefore, while the certificate may provide important information regarding coverage, it does not extend new rights to the holder that are not already granted by the policy itself.