About Protect Digest

What this is

Protect Digest is a small reference site about the insurance paperwork that independent contractors, trade contractors, and the people who hire them exchange. It defines terms, describes how the documents work, and explains which questions belong to which party. It is written for someone holding a contract clause or a certificate and trying to decode it.

Who it is for

Sole proprietors and small trade businesses being asked for proof of coverage; office staff who collect certificates from subcontractors; anyone comparing coverage categories before a conversation with an agent.

What it is not

These pages are reviewed reference material, not professional advice. Protect Digest is not an insurance agency, is not licensed to sell or place coverage, and does not collect quote requests. Nothing here interprets your contract, your state's workers' compensation rules, or your policy. A licensed agent or broker, the carrier issuing the policy, and your state insurance department are the authorities on those, and a policy's actual wording always governs over any summary.

About the external references

The sources cited on these pages are federal agencies and nonprofit security organizations covering digital security, fraud reporting, and identity theft. They are cited only for the claims they actually support — the sections on verifying documents, on authentication terminology, and on identity-data handling. They do not set insurance rates and are never cited as if they did.