What is prohibited regarding the issuance of a certificate of insurance?

Issuing a certificate of insurance that contains false or misleading information is explicitly prohibited because it undermines the integrity of the insurance system and can mislead other parties regarding the actual coverage and terms of the insurance policy. Certificates of insurance serve as proof that an insurance policy exists and outlines certain details about the policy, such as the types of coverage and limits. If such a certificate contains inaccurate information, it can lead to significant issues, such as claims being denied or misunderstandings between insurers, policyholders, and third parties relying on that information. Therefore, maintaining truthful and accurate records in certificates of insurance is crucial to ensure all parties involved can make informed decisions based on factual information.

The other choices do not represent prohibitions on the issuance of certificates of insurance. For example, issuing a certificate with correct information is not only permitted but is, in fact, the intended purpose of such documents. Additionally, including terms of the actual policy within the certificate is typically not allowed but misunderstood; the certificate is meant for summarization, not for detailing policy terms. Lastly, requesting a certificate, regardless of the necessity, is not a prohibited action as long as it is done in good faith and for legitimate purposes.