To whom does the section regarding certificates of insurance not apply?

The section regarding certificates of insurance does not apply to certificates issued under federal law or regulations because federal laws can supersede state laws and regulations. This means that the requirements and stipulations set forth by federal authorities take precedence over state-level provisions concerning certificates of insurance. Since the federal framework is distinct and designed to address specific regulations that might differ from state requirements, the section in question does not govern the issuance or regulation of these federal certificates.

In contrast, the other categories listed, such as federal agencies, non-profit organizations, and states with their own regulations, all relate to contexts where state laws may apply. Federal agencies and states may have their own regulations surrounding insurance, while non-profit organizations might also fall under jurisdictions that the section could govern. Therefore, the specific exclusion of certificates issued under federal law or regulations makes sense in this context as they are not derived from or regulated by state statutes.