Let me preface by saying this thread is way, way, over my head. :-)

But I want to let you know how we issue our certificates of insurance. We
are a special events firm insuring concerts, fairs, sporting events, etc.

We have one table called Clients which contains both our insureds and the
companies we may be issuing certificates to (certificate holders). Each
record has a class field. So our insured would be classified as Customer. The
certificate holder would be classified as Venue, etc.

We then have a child table called Policies. This contains all of the policy
info for a particular insured; carrier, policy number, limits, etc. This
table is updated manually as policies are renewed.

Finally we have a table called Certificates. When our insured requests a
certificate, we create a record in this table which pulls in insured
name/address info from Clients, venue info and additional insured wording
from Clients, and policy info from the Policies table. We then complete it
with any special wording (more additional insureds, any special conditions,
etc.) the certificate holder may require.