Can a certificate of insurance cover risks not included in the referenced policy?

A certificate of insurance serves as a document that summarizes the coverage provided by an insurance policy. It specifically indicates the types of risks and liabilities that are covered under that policy. This means that the certificate will accurately reflect only the coverages and limits that are included in the referenced policy.

If a certificate were to extend coverage or provide additional coverage not included in the referenced policy, it could lead to confusion and misrepresentation of the actual insurance protections in place. The purpose of the certificate is to clarify and communicate the current coverage without misleading parties regarding risks that may not actually be insured under the referenced policy. Therefore, the assertion that a certificate of insurance only reflects the risks covered by the referenced policy is accurate and supports the understanding of how such certificates function within the realm of insurance.