We have never been charged to add a certificate holder to our E&O, but we very rarely get requests to do so.  Though I do understand why such requests are made. See Do Your Abstractors Have E&O Coverage?

Furthermore, on my renewal this year, I was asked if obtain annual insurance certificates naming us as a certificate holder for any abstractors we subcontract to.  We rarely subcontract any work out, but it happens occasionally to cover vacation time and unexpected days off.

I imagine in light of the potential for fraud, more carriers will be requesting that their insureds obtain their subcontractors' insurance certificates naming them as certificate holders.

Best,
Robert A. Franco
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