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<br />Grand Rapids | Raleigh | Pittsburgh <br />616.454.0800 | 2780 44th St SW, Wyoming, MI 49519 | ovdinsurance.com <br /> <br /> <br /> <br /> <br />Please note our procedures with regards to certificates of insurance: <br /> <br />The presence of Additional Insured (including blanket versions) and/or Waiver of Subrogation endorsements <br />or policy language is denoted by a “Y” in the appropriate column on the certificate. In accordance with the <br />ACORD 25 Certificate Forms Instruction Guide and in keeping with the directive set forth by the Department <br />of Insurance, the Description of Operations box will be used exclusively for the purpose prescribed on the <br />form (description of operations, insured locations, and insured vehicles, as applicable). The ACORD 101 form <br />is designed as an extension of the ACORD 25 Description of Operations box and is similarly restricted in its <br />use. <br /> <br />If you require any endorsements or 30-day notice of cancellation forms related to information denoted on the <br />form, we will attach the corresponding endorsements which follow this letter. Some forms are immediately <br />available to send to you while others will become available when issued by the insurance company, generally <br />within 30 days, and are available by request. <br /> <br />Our insurance agency is unfortunately unable to comply with any request to issue a certificate that does not <br />conform to Department of Insurance laws and regulations. We have instead provided you with a lawful <br />certificate that provides a courtesy summary of the referenced policy's terms, limits, and conditions. <br /> <br />As a result of recent legislative actions, state laws now explicitly address certificates of insurance for property <br />and casualty coverage that do not accurately reflect the terms of the referenced policy. (Reference: Michigan <br />Chapter 22A of Insurance Code 500.2270-227731, Pennsylvania Code Chapter 89b relating to property and <br />casualty filing and form, North Carolina General Statute §58-3-150a). These statutes and regulations, amongst <br />others, expressly prohibit our business from: <br /> <br />• Issuing or delivering a certificate of insurance that alters, amends, or extends the coverage <br />provided by an insurance policy referred to in the certificate; or <br />• Preparing or issuing a certificate that contains false or misleading information concerning an <br />insurance policy. <br /> <br />This also applies to those who request certificates. Specifically, it prohibits any person from demanding or <br />requiring the issuance of a certificate from an insurer, insurance producer, or policyholder that contains false <br />or misleading information concerning an insurance policy referred to in the certificate. These regulations <br />provide administrative and civil remedies for violations, some as high as $500 per violation, and increasing to <br />$2,500 per violation when a person knows or should have known that they were in violation of these new <br />requirements. <br /> <br />Our business takes its legal obligations very seriously, and we appreciate your understanding of the limitations <br />imposed on our agency by these statutory requirements. However, if you continue to request or demand the <br />issuance of an insurance certificate that does not conform to the requirements of your state law or any other <br />document that misrepresents the terms, limits, or conditions of an insurance policy, we may report your actions <br />to your state Department of Insurance and Financial Services. <br /> <br />While we are barred from responding to your request for coverage language in the “Description of <br />Operations” box, we encourage you to contact us if you have any questions about the certificate of insurance <br />that you have been provided or any other matter. Thank you for your cooperation. <br />DocuSign Envelope ID: ED55B3D5-BAD0-45B4-977B-F09C4091C16A