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Episode #75 - Certificates of Insurance: The Most Misunderstood Document in Insurance
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Certificates of Insurance (COIs) look simple—but behind that one page is a world of fine print, pitfalls, and potential fraud.
In this episode, Chantal and Sandy talk with Scott Margraves, a 33-year insurance veteran and founder of COI’s R Us, about what COIs actually do (and don’t) prove. You’ll hear:
Why 9 out of 10 COIs are issued incorrectly
How small clerical errors can lead to big problems
The difference between a document that verifies coverage and an actual contract
Real-world examples of COI confusion, misrepresentation, and fraud
We also say goodbye to Sandy as…
The skinny
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