To provide our clients and business partners with accurate, up-to-date information – and reduce environmental impact – SAS is now using industry-standard electronic certificates of insurance (e-CERT) instead of issuing individual certificates. This enables us to provide evidence of insurance and meet terms of legally binding contracts and agreements, 24 hours a day. Although the e-CERT does not contain the certificate holder's name, it's universally accepted as evidence of coverage.
Frequently Asked Questions
What is an electronic certificate of insurance?
An electronic certificate of insurance (e-CERT) provides information about a company's insurance program in electronic format. It includes policy numbers, limits and insurance companies. The information within it is subject to the terms and conditions stated therein.
Is an electronic certificate of insurance acceptable evidence of insurance coverage?
Yes, it's an acceptable method to evidence current policy coverage information.
How is the e-CERT different from a traditional Certificate of Insurance?
While both an e-CERT and a Certificate of Insurance show insurance information, the e-CERT doesn’t include a certificate holder's name. It also does not have the standard cancellation wording that's included in a certificate.
Is the e-CERT information always available?
While occasionally subject to web maintenance or information updates, the e-CERT information is available 24 hours a day, seven days a week. The information will be updated at the time of policy renewal and any time there is a major change in coverage, terms or insurance company.
Can the e-CERT be printed?
Yes, you may print a copy or save a PDF version for your files.
What are the benefits to having this e-CERT information online?
One of the main benefits is that you can access this information at any time. Likewise, keeping this information online helps reduce the paperwork, phone calls and faxes involved in obtaining paper certificates of insurance.
How do I know if I have additional insured status if my company's name does not appear on the e-CERT?
If additional insured status is granted, it is done by endorsement to the policy. The terms of that coverage grant will vary by policy, carrier or endorsement. In these cases, the policy will dictate the extent of your coverage. The e-CERT may indicate that the policies of insurance have been extended to provide additional insured status to a group of entities with whom the insured does business. Read the Additional Information section of the e-CERT for information regarding additional insured endorsements to the insurance policies.
Why is there no notice of cancellation on an e-CERT?
The e-CERT streamlines the outdated, paper-intensive process of issuing Certificates of Insurance and gives you the ability to check the e-CERT at any time to verify your coverage. You're not tracked if you view the e-CERT, so you can't be notified of a cancellation.