What statement must be included in each certificate of insurance?

The correct statement to include in each certificate of insurance is that it is issued as information and confers no rights. This is important because a certificate of insurance serves as a summary of the insurance coverage in force but does not change or modify the terms of the insurance policy itself.

It clarifies to the certificate holder that while the document conveys information about the policy, it does not create any legal obligations or rights that are not already outlined in the actual policy. This helps prevent misunderstandings regarding the rights of the parties involved and emphasizes that the certificate is not a contract of insurance.

Understanding this distinction is crucial for both insurers and certificate holders to avoid potential legal disputes regarding coverage expectations. Other statements, like suggesting that the certificate alters the policy terms or provides full rights, are misleading and do not accurately represent the nature of a certificate of insurance.