--- title: Veritas Risk Management & Insurance Services Blog | Andrew Darlington (17) description: Andrew, the agency owner, has been a licensed insurance agent since 1997. He started Veritas Risk Management in October of 2009 and has experienced agency growth each year since. Andrew graduated from King University and lives in Johnson City with his wife and 6 children. Andrew’s hobbies include playing basketball, cheering for the Vols, church events and taking part in his children’s activities. 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He started Veritas Risk Management in October of 2009 and has experienced agency growth each year since. Andrew graduated from King University and lives in Johnson City with his wife and 6 children. Andrew’s hobbies include playing basketball, cheering for the Vols, church events and taking part in his children’s activities. [![Insurance Logo Veritas](https://education.veritasrm.com/hs-fs/hubfs/INSURANCE%20(4).png?width=1748&height=1240&name=INSURANCE%20(4).png)](https://education.veritasrm.com/certificates-of-insurance-uselessness) 1 min read #### [Why Certificates of Insurance are Worthless](https://education.veritasrm.com/certificates-of-insurance-uselessness) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): March 3, 2023 at 3:18 PM Understanding Certificates of Insurance: Not a Guarantee of Protection Certificates of insurance are commonly used by businesses to verify that their... 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