Which document confirms to a third party that you carry liability insurance for a project, without creating coverage?

• A. Declarations page
• B. Certificate of Insurance
• C. Binder
• D. Endorsement

Answer: (B)

Proof of liability insurance for a project is provided by a certificate of insurance. It’s issued by the insurer or your broker and serves as formal evidence that there is an active policy in force for the named insured during the specified period. The certificate lists who is insured, the insurer, the policy limits, the effective dates, and any required additional insured status. Importantly, it does not modify the policy or create coverage on its own—the actual terms and conditions come from the policy itself.

The declarations page is part of the policy and shows coverages, limits, dates, and insured details, but it isn’t the standard document used to prove coverage to a third party. A binder, used during the period a policy is being written, provides temporary evidence of coverage and typically expires when the policy is issued. An endorsement is a change to the policy’s terms, not a stand-alone proof of coverage. Therefore, the certificate of insurance is the appropriate document to confirm to a third party that you carry liability insurance for a project without creating coverage.