New Jersey Code § 17:29A-57

Significance of certificate of insurance.
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17:29A-57 Significance of certificate of insurance.
4. A certificate of insurance shall not be considered a policy of insurance and shall not affirmatively or negatively amend, extend, or alter the coverage afforded by the policy to which the certificate of insurance makes reference. A certificate of insurance shall not confer to any person new or additional rights beyond what the referenced policy of insurance expressly provides.
L.2015, c.195, s.4.

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