Certificate of Liability
The certificate should show coverage levels, name of the agent/agency, name of the business you are working with, policy number, policy effective dates and a DATE VERY NEAR THE DATE YOU ASKED FOR IT, meaning it's still an active policy. To ensure this, ask to be named as a certificate holder. It should also be signed by the insurance company representative. Commercial General Liability is the section we currently look at. If someone is unable to provide a certificate within a timely manner, that is a red flag.