As an Insurance Brokerage Company we are very thankful for the success of our clients. During this first 6 months of the year we have seen a 50% increase in their requests for Certificates of Insurance due to the new jobs that they have put in place in the growing economy. Too many times the Certificate being requested should not have been requested because there is not a contract requesting a Certificate of Insurance with special wording. In other words, if one your clients requests a Certificate of Insurance naming them as Additional Insured, possibly with Primary Wording, Waiver of Subrogation, Per Project Aggregates etc… Unless it is required in a written contract between you and that client, the Certificate of Insurance, if issued, will not cause any coverage to benefit that client because the Insurance Policy will not acknowledge the status that you think happens by just requesting a Certificate of Insurance and Endorsements that are worthless.