Customers First Insurance Group

06/26/2026

06/25/2026

Certificate holder and additional insured are not the same thing.

A lot of business owners see their name on a Certificate of Insurance and assume that means they are protected by the policy. But in many cases, being listed as the certificate holder simply means you received the certificate.

Additional insured status is different. That usually requires actual policy wording or an endorsement.

Certificate holder means you got the paperwork. Additional insured may mean you got protection.

Let’s dork out on one of the most misunderstood COI details.

06/24/2026

Sometimes a Certificate of Insurance may be enough.

If the situation is lower risk — like a simple delivery, minor service call, or basic proof-of-insurance request — a COI may be a reasonable starting point.

But the bigger the risk, the deeper the review.

Small risk = simple review.
Bigger risk = deeper review.

Let’s dork out on when a COI may be enough — and when it may not be.

06/23/2026

🚜 Got a compact tractor? Let’s talk coverage.

Whether you use it around your property, hobby farm, acreage, or small business, your compact tractor may need more protection than you think.

Progressive offers coverage options for compact tractors, and we can help you understand what fits your situation.

Before you assume it’s covered under your homeowners policy, let’s review it.

📞 Contact Customers First Insurance Group today for a quote.

06/23/2026

A contract can require coverage that the insurance policy may not actually provide.

That’s why a Certificate of Insurance should not be the only thing you rely on when the risk is meaningful. The contract may require additional insured status, waiver of subrogation, completed operations coverage, higher limits, or specific endorsements.

But the actual policy has to support those requirements.

The contract, Certificate of Insurance, and policy all need to tell the same story

06/22/2026

A $1 million insurance limit can sound like a lot — but is it enough for the actual risk?

That depends on the work being done, the contract requirements, and the potential exposure. A contractor painting one office wall is very different from someone doing roofing, excavation, electrical work, or a large commercial project.

When reviewing a Certificate of Insurance, don’t just ask, “Is there a limit?”

Ask, “Is this the right limit for this risk?”

06/21/2026

A lot of people assume that if they are listed on a Certificate of Insurance, they will automatically be notified if the policy cancels.

That may not be true.

A COI may include cancellation wording, but the certificate itself usually does not create rights that are not actually in the policy. If the policy does not require notice to you, the COI may not magically create that obligation.

A COI is a snapshot. It is not a guarantee of future coverage.

06/20/2026

Serving alcohol can create a much bigger risk than many business owners realize. 🍻

A small mistake at the bar, restaurant, golf outing, banquet hall, fundraiser, or company event can turn into a massive claim if someone is overserved and causes damage or injuries after leaving.

That is where liquor liability — often called dram shop coverage — becomes so important.

Your general liability policy may not be enough.

Before your business serves, sells, or provides alcohol at an event, make sure you know exactly what your policy does and does not cover.

Let’s dork out on some insurance.