Certificate holder and additional insured are not interchangeable. They serve different purposes and appear in different parts of the event insurance workflow.
What certificate holder means
Certificate holder usually means the entity receiving proof of insurance. It does not, by itself, extend policy protection to that entity.
What additional insured means
Additional insured generally means the policy extends a defined layer of protection to the named outside party for claims arising from the event operations.
Why the confusion causes delays
Many buyers assume that naming a venue on the certificate satisfies the contract. If the agreement actually requires an endorsement, the paperwork still fails.
The safest approach
Treat the requirement sheet as the source of truth and confirm both items separately before the certificate is issued.
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