The information below for insurance agents may impact your insurance agency. -Josh Nordin This information was received courtesy of MetLife Auto & Home: The Insurance Departments of several states have issued legal requirements addressing the prohibited practice of misrepresenting coverage on certificates of insurance. The requirements applies specifically (but not solely) to the MIAA States of IA & MO. Certificates of insurance must clearly and accurately state the coverage provided, but are not actual policies of insurance and cannot be used to amend, extend, or alter insurance coverage afforded by the underlying policies. Companies and producers who intentionally misrepresent the terms of an actual or proposed insurance policy are in violation of law and may create an Errors and Omissions exposure. For more information please contact your MetLife Auto & Home Regional Sales Manager.