Certificate holder
A certificate holder is the person or organization identified on a certificate of insurance, other than the policyholder. The designation shows who receives the certificate; it does not itself make that party an insured.
The holder is the recipient named on the evidence document. It is not another word for “additional insured.” New York law separates those ideas: the holder is identified on the certificate, while the certificate cannot expand the policy. Match the holder name and address to the contract, but use an endorsement when the contract asks for insured status.
Sources
- Primary source: New York Insurance Law § 501 — Definitions — Defines a certificate holder as a person other than a policyholder identified on the certificate as a certificate holder.
- Primary source: New York Insurance Law § 502 — Prohibitions — Confirms that a certificate cannot confer coverage rights beyond those in the policy.