If you take away all the sound and fury, it certainly seems that the wording is simple enough:
This is to certify that the policies of insurance listed below have been issued to the insured named above for the policy period indicated. Notwithstanding any requirement, term or condition of any contract or other document with respect to which this certificate may be issued or may pertain, the insurance afforded by the policies described herein is subject to all the terms, exclusions and conditions of such policies. Limits shown may have been reduced by paid claims.
Grizzled veterans among us no doubt instantly recognize the venerable wording from the ACORD Certificate of Liability Insurance (ACORD 25), or as more commonly referred to, a COI. Prominently displayed across the top center of the form, it would seem hard to overlook and even harder to misinterpret. Yet if a recent blowout discussion on LinkedIn among supposed industry experts is any indication, both actions are more than common.
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