An indemnity clause is only as strong as the insured contract definition in the other party's policy. These two endorsements change that definition, and a certificate will not show it.

A certificate stays relevant for as long as a claim can still be brought against the work it covers. In construction that clock is the statute of repose, not the renewal that replaced the certificate.

A subcontractor certificate of insurance is evidence coverage existed, not proof it responds. The ACORD 25 says so on its face. Here is what to verify.