A certificate is not akin to the award of an arbitrator1. Thus it is unnecessary that an agreement to be bound by certificates should be in writing2. Even a stipulation that the certifier is to act as 'exclusive judge' does not make a certificate an award3. A certificate is binding only between the parties; accordingly, as between the employer or contractor and a stranger to the contract, whether the contract works are complete is a question of fact and will not depend on the issue of a certificate
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This Practice Note covers the legal framework and regulatory guidance to be considered in determining whether an arrangement constitutes a contract of insurance and the possible consequences of carrying on activities relating to a contract of insurance without the requisite regulatory permissionsThe
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