Certificate Holder vs. Additional Insured on insurance

When a broker ( or anyone else for that matter ) is listed as an additional insured on your policy, it gives them the ability to file a claim directly with the insurance company. Personally, I'm fine with adding a broker as an additional insured for instances where I am sure or reasonably confident that it supports a long-term business relationship.

 

I don't like paying to list a broker as additional insured either. I have on a couple of occasions just put them as a cert holder and nothing was ever said.

 

This is what I do when the broker asks to be additionally insured. I don't think the brokers look at the returned insurance certificates or the broker packets they send.