1) How do you check that all additional insured are listed on the policy?

- You have to look at the policy and search for the AI. If there is a landlord or mortgagee, they have to be listed.

  If they are not, we have to request an endorsement to add them on the policy. 

  FYI: Cumberland has a clause that covers the landlord automatically so technically for Cumberland, we would not necessarily have to do it (again, only for landlord)

- For contractors, we have to check the policy for a form or coverage called "blanket additional insured". If they have it, we can prepare and send the COI. 

2) What do you mean by special language? 

- "Special language" is additional verbiage that will go on the certificate. Whoever is requesting the certificate will be the individual who will also request this special language.

-This is more common on NY policies, and even more common for NY contractors, not so much for NJ

3) How do you know the type of accord?

- Definitions are above and when you click on the form, such as Accord 25, it says it on the top. But, for commercial property, 27&28 are both accepted but 28 is preferred. The difference is that accord 27 is used for home whereas 28 cannot be used for home. 

When you get a COI request they will say which accords they want. It can look something like "please provide evidence of property insurance accord 28"

- Acord 50 is auto. When you open this form, it is like an ID card