What does a certificate of insurance not warrant regarding compliance?

A certificate of insurance serves as a tangible proof that an individual or entity has insurance coverage, detailing the types, limits, and effective dates of the insurance policies. However, it is crucial to understand that this certificate does not serve as a guarantee or warranty that the insured is complying with all aspects of insurance or indemnification requirements. The certificate simply reflects the existence of insurance at a certain time; it does not assure that the insured meets contractual obligations or specific legal compliance beyond that moment.

The aspect that the certificate does not warrant compliance with insurance or indemnification requirements is particularly important because many contracts have detailed indemnification clauses and specific insurance requirements that need to be met. Just because a certificate is issued does not mean the coverage fulfills those requirements. Thus, option C correctly identifies what the certificate does not guarantee, making it the right answer.