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Truist Evidence of Insurance

Terms and conditions of access

THESE TERMS AND CONDITIONS (“TERMS”) GOVERN YOUR USE OF THIS WEBSITE (“SITE”) AND ACCESS TO THE CERTIFICATE OF INSURANCE (“COI”) DISPLAYED HEREIN. PLEASE READ THESE TERMS CAREFULLY BEFORE DECIDING WHETHER TO USE THIS SITE. IF YOU DO NOT AGREE TO BE BOUND BY THESE TERMS, YOU MAY NOT USE THIS SITE. 

1. Acceptance of Terms.

By using this Site and clicking the "Submit" button below, you acknowledge that you have read and reviewed these Terms and agree that they will govern your use of this Site and your access to any information contained herein. You agree to abide by all applicable laws and regulations concerning this Site and any information contained herein.  

2. Entire Agreement.

These Terms constitute the entire agreement between you and BB&T/SunTrust/Now Truist Bank and/or its subsidiaries (collectively “Truist”).  

3. Modification and/or Termination of Access.

Truist  reserves the right to modify or terminate the Site, or to modify or terminate your access to the Site, at any time.     

4. Purpose of Site.

You acknowledge that viewing information contained in this Site, including any COI, does not alter the coverage provided by the policy described in the COI. Any COI is issued as a matter of information only and does not serve to provide, endorse, amend, extend or alter in any way the Terms of the insurance policy. You further acknowledge that viewing information contained in this Site, including any COI, does not create any rights to you or your organization to coverage or notice under the described policy, nor any other right not specifically provided to you or your organization by the policy itself. 

5. Permissible Use of Site.

You agree to use this Site exclusively for the benefit of your organization and its normal, internal business activities. You may view and print out materials made available to you through this Site, provided that all copies are retained by your organization and not used for any purpose other than those permitted by these Terms.

6. Restrictions on Use of Site.

You may not use this Site in any manner inconsistent with these Terms. You may not use this Site for the benefit of any third party. You may not link directly to this Site, the information contained herein, or present the Site or the information contained herein on any other website. You may not change or modify the Site in any way.  

7. Rights Reserved.

All rights in and to this Site, as well as the information contained herein, are reserved to Truist.

8. Disclaimer.

You agree that the use of this Site is at your sole risk. You acknowledge that this Site and any information contained herein is presented “as is,” and Truist makes no warranty, representation, or guarantee of any kind, express or implied, including but not limited to merchantability or fitness for a particular use or purpose. Specific equipment and/or software may be required to view this Site and its content. Truist makes no representation, warranty, or guarantee about your ability to access the Site and its content. If you cannot access the Site or its content, or require different access to the Site or its content, please contact McGriff at the Contact Information provided herein.  

9. Limitation of Liability.

YOU AGREE THAT TRUIST SHALL NOT BE LIABLE TO YOU, YOUR ORGANIZATION, OR ANY THIRD PARTY FOR DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED OR RELATED TO THE USE OR INABILITY TO USE THIS SITE, EVEN IF AN AUTHORIZED REPRESENTATIVE OF TRUIST HAS BEEN ADVISED SPECIFICALLY OF THE POSSIBILITY OF SUCH DAMAGES. 

10. Indemnification.

You hereby agree to indemnify and hold harmless Truist and its representatives, agents, directors, officers, employees, stockholders, advisors, successors and assigns against any claim, suit, action, loss, cost, expense, liability and damage of every nature and kind, including but not limited to interest, penalties, reasonable attorneys’ fees and arbitration and/or litigation costs arising out of or in connection with your use of this Site, including but not limited to: (i) the use of this Site by you, your organization, or someone on you or your organization’s behalf; (ii) a violation of these Terms by you, your organization, or someone on you or your organization’s behalf; (iii) any unauthorized use of a COI or the Site by you or your organization; and/or (iv) any misrepresentation or breach of representation, warranty or covenant made by you contained herein.

11. Governing Law.

These Terms shall be construed in accordance with the relevant laws of the United States including Federal Copyright and Trademark laws and with the procedural and substantive laws of the State of North Carolina applicable to contracts and made and entered into herein without regard to conflict of laws and choice of laws principals. Any dispute arising from these Terms, this Site, or the information contained herein, but not any dispute arising under the coverage described in any COI, shall be brought in the Federal or State Courts in North Carolina.

12. License.

You may not use Truist’s names, copyrights, trademarks, and/or other proprietary materials and intellectual property without prior written authorization from Truist or in any matter that implies any relationship between you or your organization and Truist, including but not limited to the use of such items on you or your organization’s written materials or website. You acquire no rights or licenses in or to this Site or the information contained herein other than the limited right to use this Site in accordance with these Terms.

13. Representation and Warranties.

You represent, warrant, and covenant that you: (i) have the power and authority to accept these Terms and (ii) will use this Site only in the manner permitted by these Terms.

14. Waiver.

Truist’s failure to enforce any Term or exercise any right granted to it under these Terms shall not constitute a waiver of such Term or right.

15. Severability.

These Terms are severable. If any of these Terms is deemed to any extent illegal, invalid, or unenforceable by a court of competent jurisdiction, such Term shall be excluded to the extent of such invalidity or unenforceability and all other Terms shall remain in full force and effect. To the extent permitted and possible, invalid or unenforceable term shall be replaced by a term that is valid and enforceable and comes closest to expressing the intention of the invalid or unenforceable term.

16. Assignment.

Truist may assign its rights and/or obligations under these Terms to any third party at any time without notice to You. This Agreement may not be assigned by you without Truist’s prior written consent.

17. Contact Information.

All general inquiries regarding the certificates displayed on this Site should be directed to Truist at certificaterequests@mcgriff.com. All other correspondence and/or notice must be provided in compliance with applicable law and/or regulation.  

If you wish to accept these Terms, please indicate your acceptance by providing the requested contact information and submitting that information by selecting the "Submit” button below. Truist may change the Terms at its discretion; accordingly, you should review the Terms each time you visit this page before viewing the COI. If you do not wish to accept the Terms, you may not use this Site and must access the requested COI through a different source. 

Acknowledgement form

By entering my company name and selecting Submit, I acknowledge that I've read and agree with the terms provided above.

Certificate of Insurance FAQs

What is a Certificate of Insurance?

A Certificate of Insurance (“COI”) is a summary document providing evidence of insurance coverage, in this case, evidence of insurance coverage for BB&T/SunTrust/Now Truist Bank and/or its subsidiaries or affiliates. The full contract terms, exclusions and conditions of coverage are included in the insurance policy itself.

Who issues the COI?

The COI is issued by the broker that assisted BB&T/SunTrust/Now Truist Bank in obtaining its insurance coverage and provides basic information about the coverage provided to BB&T/SunTrust/Now Truist Bank under the policies.

Is a COI evidence of insurance coverage?

Yes. The form used to provide evidence of liability insurance under the Commercial General Liability, Commercial Auto Liability, Workers Compensation and/or Umbrella Liability policies is the Acord 25 Certificate of Liability. The form used to provide evidence of Property Insurance is the Acord 28 Evidence of Property. Both forms provide “evidence” of the respective coverage parts. Both forms are documents issued by the broker that assisted BB&T/SunTrust/Now Truist Bank in obtaining its insurance coverage and provides basic information about the coverage provided to the bank under the current policies. These forms are provided for informational purposes only and to not confer rights to the certificate holder. Coverage is controlled by the terms and conditions of the insurance policy itself. It is standard for both the COI and EOP to be referred to as certificates of insurance (COI) without the need to specify one or the other. 

What are the benefits of this COI website?

This website makes the COI available for viewing at any time to viewers that assent to the Terms and Conditions and provides their contact information. Displaying the COI through this website eliminates the costly and time consuming process of requesting, preparing and repeatedly issuing a paper version of the COI.

How do I know if I am an additional insured on the policy described in the COI?

If your lease or other type of agreement with BB&T/SunTrust/Now Truist Bank requires you to be listed as an additional insured, the coverage listed in the COI will honor that request as long as the carrier allows additional insureds under the policy form. The COI does not amend, extend or alter the coverage provided by the described policy.  

When is the COI available through the website?

The COI is available to view on this Site at any time subject to website maintenance and updates. The COI that is available is current as of the date of issuance; it will be updated as soon as practicable following policy renewal or a material change in the coverage.  

What happens if the coverage changes

The COI will be updated as soon as practicable following policy renewal or a material change in the coverage.

Will the website notify me if the coverage is cancelled?

No. Those parties entitled to notice of cancellation will receive such notice in accordance with the terms of the policy. 

Does the website collect information about who views a COI?

Yes. Individuals that wish to use the website must agree to the Terms and Conditions of Use and submit their name and contact information to view COIs through the website. The contact information collected through the Terms and Conditions page is retained by BB&T/SunTrust/Now Truist Bank.

Can I print the COI from the website?

Yes. You can print the COI the same way you print any other document that you view online.

How do I print the COI from the website?

Simply view the COI, select “file” and select “print.”

How can I determine the financial rating of the carrier listed on the COI?

Authorized viewers may research any insurer listed on the COI using the A.M. Best Company website at www.ambest.com(opens in a new tab). BB&T/SunTrust/Now Truist Bank is not involved in and has no control over the A.M. Best ratings. 

Who can I contact with questions about a COI?

Please contact BB&T/SunTrust/Now Truist Bank at certificaterequests@mcgriff.com with any questions related to BB&T/SunTrust/Now Truist Bank’s insurance coverage or the information made available through this website.

Certificates of Insurance

Certificate of Liability Insurance

Evidence of Commercial Property Insurance

E&O/FI Bond/Cyber Certificate

Insurance products and services offered through McGriff Insurance Services, Inc., a subsidiary of Truist Insurance Holdings, Inc., are not a deposit, not FDIC insured, not guaranteed by a bank, not insured by any federal government agency and may go down in value.

McGriff Insurance Services, Inc. CA License #0C64544