INSURANCE

The Hershey Company routinely receives requests from customers and business partners to provide evidence of insurance coverage. To simplify this process and reduce our impact on the environment, we have stopped issuing individual certificates of insurance, and instead offer industry-standard, electronic Certificates of Insurance (e-COI).

e-COIs are universally accepted as evidence of insurance coverage and meet executed contract proof-of-insurance requirements. Issuing and tracking customized certificates is resource intensive and does not add value to our business relationships.

Select the E-COI That Meets Your Needs:

e-COI
Insurance Coverages Evidenced
Business Partner Examples
United States – Liability
Canada – Liability
International - Liability
General Liability, Automobile Liability, Umbrella Liability, Workers' Compensation & Employer’s Liability (as appropriate)
Customers, food service, tradeshows and expos, rental car agencies, distributors
Global Property
Property
Equipment rental agencies, landlords

Select the Indemnity Agreement that Meets Your Needs:

United States

Canada

FREQUENTLY ASKED QUESTIONS

Q. What is an electronic certificate of insurance?
A.

An electronic certificate of insurance (e-COI) provides information about a company's insurance program in electronic format. This information includes policy numbers, limits, effective dates and insurance companies. An e-COI and the information within it are subject to the terms and conditions stated therein.

NOTE: ACORD certificates of insurance will be the e-COI template form whenever permitted by the insurance companies.

Q. How is the e-COI different from a standard certificate of insurance?
A.

The only difference is that it does not contain or designate a specific certificate holder name.

Q. Is an e-COI acceptable evidence of insurance coverage?
A.

Yes, an e-COI is an acceptable method of receiving evidence of current insurance coverage information as of January 2012.

Q. How often will the e-COI be updated and when it is available?
A.

Hershey will update the e-COI following the renewal of each policy. Subject to website maintenance, the e-COI is available 24 hours a day, 7 days a week.

Q. Can I maintain a copy of the e-COI?
A.

Yes, you may print a copy or save a pdf version for your files.

Q. What are the benefits of e-COIs?
A.

e-COIs are immediately available through the Internet and improve efficiencies for both Hershey and its business partners.

  • Available 24 hours a day, 7 days a week (subject to website maintenance and Internet availability)
  • Eliminates wait times for verification of insurance coverage as it simplifies the labor-intensive process of creating custom certificates
Q. Which Hershey subsidiaries are insured under the e-COIs?
A.

The subsidiaries insured are specifically listed on each e-COI.

Q. What are the financial ratings of the insurer(s) affording coverage as noted on the e-COI?
A.

Ratings are available through A.M. Best (www.ambest.com). Hershey does not guarantee the financial ratings of its insurer(s).

Q. How do I know if I am granted Additional Insured status if my company name does not appear on the e-COI?
A.

Hershey agrees to indemnify and hold harmless its customers from and against any and all claims within the United States or Canada arising out of consumption of Hershey products which arise directly out of the negligent or willful acts of Hershey. We offer the indemnity agreement as outlined on the last page of the United States and Canadian Liability e-COIs.

For all other business partners, Additional Insured status is automatically granted by endorsement to the insurance policy when required by the underlying, executed contract between Hershey and the business partner. The e-COI will indicate which policies of insurance provide automatic Additional Insured status if required by executed contract. The terms of insurance coverage granted are dictated by the insurer.

Q. How do I know if I am granted Waiver of Subrogation or Primary / Non-Contributory statuses if my company name does not appear on the e-COI?
A.

Like Additional Insured status, these provisions are granted by endorsement to the insurance policy when required by the underlying, executed contract between Hershey and the business partner. The terms of insurance coverage granted are dictated by the insurer. The e-COI will indicate which policies of insurance provide automatic waiver of subrogation and primary / non-contributory status if required by executed contract.

Q. How do I access this information in the future?
A.

Please return to this page to access these documents. They are updated with each of our insurance renewals.

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CONTACT

AON RISK SERVICES

For additional questions about liability certificates, please contact Aon Risk Services:

Kymberly Saif, ARM-E, RPLU
Aon Risk Solutions | Multi-National Client Segment
Cell: (215) 255-1906
Office: (215) 255-1888

Email: Kymberly.Saif@aon.com
1650 Market Street, Suite 1000
Philadelphia, PA 19103

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