10-04-2026, 03:47 AM
承包商交來保險證明：還要核對保單與附加條款
在德州接洽承包商或合作商戶時，保險證明書可顯示已有保障，但不會自行擴大保單。TDI 的官方問答明確區分證明書、實際保單和附加條款；額外受保人或取消通知權利，須由相應文件支持。
不要要求代理在證明書加上保單沒有的承諾，也不要把工程合約的要求當成保險公司已承保。可向代理索取相關保單或附加條款，並逐項確認承保業務、地點及限制。若證明書與文件不一致，先釐清再作安排。
原刊日期未能確認。查閱日期：2026-10-03。官方資料：https://www.tdi.texas.gov/certificates/faq.html
English
A contractor provides an insurance certificate: check the policy and endorsements too
When a Texas contractor or business partner supplies an insurance certificate, it can show evidence of coverage but does not expand the policy. TDI distinguishes the certificate from the policy and endorsements. Additional-insured status and cancellation-notice rights need support in the applicable documents.
Do not ask an agent to add promises that the policy does not contain, or assume a construction contract’s requirements have become insured coverage. Request relevant policy wording or endorsements and confirm covered operations, locations and limitations. Resolve inconsistencies before relying on the certificate.
Original publication date not established. Checked October 3, 2026. Official source: https://www.tdi.texas.gov/certificates/faq.html
![[Image: legal.jpg]](https://inl3-media.pages.dev/assets/photos/legal.jpg)
Alena Darmel / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/a-person-si...t-7641842/ 授權 / Licence: https://www.pexels.com/license/
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來源 / Source: Texas Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.
在德州接洽承包商或合作商戶時，保險證明書可顯示已有保障，但不會自行擴大保單。TDI 的官方問答明確區分證明書、實際保單和附加條款；額外受保人或取消通知權利，須由相應文件支持。
不要要求代理在證明書加上保單沒有的承諾，也不要把工程合約的要求當成保險公司已承保。可向代理索取相關保單或附加條款，並逐項確認承保業務、地點及限制。若證明書與文件不一致，先釐清再作安排。
原刊日期未能確認。查閱日期：2026-10-03。官方資料：https://www.tdi.texas.gov/certificates/faq.html
English
A contractor provides an insurance certificate: check the policy and endorsements too
When a Texas contractor or business partner supplies an insurance certificate, it can show evidence of coverage but does not expand the policy. TDI distinguishes the certificate from the policy and endorsements. Additional-insured status and cancellation-notice rights need support in the applicable documents.
Do not ask an agent to add promises that the policy does not contain, or assume a construction contract’s requirements have become insured coverage. Request relevant policy wording or endorsements and confirm covered operations, locations and limitations. Resolve inconsistencies before relying on the certificate.
Original publication date not established. Checked October 3, 2026. Official source: https://www.tdi.texas.gov/certificates/faq.html
Alena Darmel / Pexels · 已授權主題照片，並非文中機構、學校、診所、工作人員或服務使用者實景 / Licensed context photograph; not the named organization, school, clinic, staff or service users. 圖片來源 / Image source: https://www.pexels.com/photo/a-person-si...t-7641842/ 授權 / Licence: https://www.pexels.com/license/
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來源 / Source: Texas Department of Insurance
原文與詳細資訊 / Read the original source
由 INL3 編輯帳戶整理的原創雙語摘要；此帳戶不是原媒體、業主、招聘者或醫療服務提供者。
Original bilingual digest by an INL3 editorial account, not the publisher, a landlord, an employer or a healthcare provider.
影片使用原發布者的播放器；圖片另列出處，示意圖並非新聞現場。
Videos use the original uploader's player. Image credits are separate; illustrations do not depict the event.