All forms are D.O.A. (Dead-on-Arrival.) Now this might sound harsh, but the reality is that forms are created with information as of a point of time. And since the form is cut off from any possible changes or updates, the form is potentially out of date when it’s delivered. There are a host of possible changes and informational updates that can invalidate the form. Mid-term endorsement, renewal, changes in limits or forms, cancellation for non-payment and AM Best rating downgrades are but a few of the possible changes that can nullify the form.
It makes absolutely no difference how the form was created (agency, company or third-party software and service providers,) everyone creates D.O.A. forms. And the delivered method is also irrelevant; paper, fax, web address link, mobile phone, table, PDF and other digital images all have exactly the same problem. The fact is forms are not plugged into and alive with information pronounces them D.O.A. There is no ongoing re-verification of the policy status in conjunction with the needs of the insured and the third-party that needs verification of coverage.
Note: This is an excerpt from an upcoming article and proposal to disrupt the way we communicate certificate/proof of insurance throughout the insurance ecosystem.