New York Codes, Rules and Regulations
Title 11 - INSURANCE
Chapter XII - Group Property/casualty Insurance
Part 310 - Product Or System Group Insurance Policies
Section 310.4 - Certificate of insurance

(a) The insurer shall be responsible for the mailing or delivery of a certificate of insurance to each group member insured under the product or system group policy. If the coverage is automatic and the group member is not required to register with the insurer to effect coverage, then the certificate shall be delivered with the product or system. If the coverage is not automatic and the group member is required to register with the insurer to effect coverage, and the certificate is not delivered with the product or system, the certificate shall be mailed or delivered to the group member not more than 20 days after receipt of the registration.

(b) The certificate shall contain in substance all material terms and conditions of coverage afforded to the group member, unless the product or system group policy is incorporated by reference and a copy of the product or system group policy accompanies the certificate.

(c) Each certificate shall contain a conspicuous notice advising the group member that, if the member has other applicable insurance coverage, the coverages under the product or system group policy shall not duplicate the other insurance coverage.

(d) Each certificate shall contain a conspicuous notice with the phone number to call or an address to write to, and the procedures to be followed, in the event of a claim under the policy.

(e) No group policy or certificate may contain an aggregate policy limit to be shared among group members or applicable to the group itself.