Frequently Asked Questions

Who should the Certificate Holder list? 

Unless stated otherwise, the Certificate Holder must always list the District along with the exact District address. The Certificate Holder box can never be left blank, nor should it ever list your organization.

What should be listed in the Insured field? 

The “Insured” box must list your organization’s or parent organization's name and address.

What is a separate Additional Insured endorsement page? 

If required by the District, this is a separate page from your Certificate of Insurance. The form that is most often provided is an Acord form CG 20 26. This form must have matching policy number to that of Certificate of Insurance. Unless District accepts blanket endorsements, the District name and address must also be listed on the separate Additional Insured endorsement page. Sample CG 20 26 form

What is a policy number? Is it required?

This is the number that is assigned to a policy at issuance to identify what policy was in place in the event of a loss. The policy number is a required field. 

What coverage limits are required? 

Required policy types and coverage amounts are set by each district and thus vary from school district to school district. You may view the specific district requirements by clicking "view insurance requirements" during the checkout process; you can also call us at (800) 272-2962 with any questions. If your Certificate of Insurance (COI) is found to be invalid or missing requirements, you will receive an email from our Support team upon review & invalidation regarding the exact changes required in order for your insurance to be accepted by the District.

How do I upload my COI?

Please see the support article How Do I Upload My Insurance Certificate?

Sample Certificate of Insurance

  1. Insured: The entity that purchased and is covered by the insurance (named insured). The name and address listed here should be that of the insured entity (your organization or parent organization).

  2. Producer: the insurance Agent/Broker through whom the insurance was purchased.

  3. Insurer: The insurance company or companies issuing the policies listed on the COI.

  4. Type of insurance: Most districts require at least a Commercial General Liability (CGL) policy. CGL is the standard insurance policy issued to business organizations. Some districts also require additional insurance types (SAM, automobile liability, workers compensation, etc).

  5. Policy Effective date: the date the policy coverage begins.

  6. Policy expiration date: the date the policy coverage ends.

  7. Policy limits: the maximum amounts an insurance company will pay for a covered loss.

  8. Additional Insured and Waiver of Subrogation: If Additional Insured and/or Waiver of Subrogation are required by the District in which you are renting, the applicable boxes should be checked.

  9. Description of Operations: This section describes any special operations that may occur or a specific site or location on which activities will take place. This section can also be used to indicate whether an entity (the district) has been added as an Additional Insured or waived party (Waiver of Subrogation).

  10. Certificate holder: entity for which the evidence of coverage is being provided (the district). 

  11.  Authorized representative: The individual who has the authority to sign the Certificate of Insurance. This could be the insurance agent or broker, or a representative of the insurance company.

Sample Additional Insured endorsement page (CG 20 26)