Do not assume it does. New York DFS distinguishes a certificate holder from an additional insured: a certificate is evidence of insurance, not the contract, and cannot expand policy coverage. Ask the provider's licensed agent to identify whether you are actually insured, for what activity and during which period. (New York DFS: certificate of insurance opinion, 27 September 2010)
K1K9 buyer question: does any policy cover my liability after custody transfers, at home and away, and during a commanded engagement? Ask for the applicable wording and exclusions. Being covered for a trainer's work is a different question from being covered for your own later conduct.
THE ARTICLE CONTINUES
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