To whom does the section regarding certificates of insurance not apply?

The section regarding certificates of insurance does not apply to certificates issued under federal law because these certificates are governed by entirely different sets of regulations that pertain to federal requirements rather than state insurance laws. When it comes to insurance certificates, state regulations typically focus on standards and practices that apply within the state’s jurisdiction. However, when federal law is at play, it supersedes state-level regulations, meaning any regulations surrounding certificates of insurance would not be applicable.

In contrast, entities that fall under state regulations and all certificates prepared under state law follow state guidelines, ensuring compliance with those specific insurance rules. Additionally, individuals who do not have insurance do not fall under the purview of the section because they do not hold any certificates of insurance to regulate or discuss. Thus, the unique nature of federal law clearly illustrates why this particular option is the correct answer.