A certificate of insurance is not a policy of insurance and does not affirmatively or negatively amend, extend, or alter the coverage afforded by the policy to which the certificate of insurance refers. A certificate of insurance shall not confer to any person new or additional rights beyond what the referenced policy of insurance expressly provides.
Nature of certificate
Ohio Rev. Code Ann. § 3938.02, under Chapter 3938 | Certificates Of Insurance Act.
Ohio Rev. Code Ann. § 3938.02