A Certificate of Insurance (COI) is merely evidence of the policies issued and in force at the time the Certificate of Insurance is issued. It does not provide assurance that the certificate holder will be notified if the policy is modified, expires, is extended or cancels. As governed by insurance law in all states, a Certificate of Insurance cannot extend or alter coverage provided in an insurance policy in any way. Certificates of Insurance can be viewed as a summarized, informational reflection of an insurance policy(s) and it conveys no rights or privileges. It is a “snapshot” in time.