[i]Often, but not always, this is the party with more bargaining power requiring the party with less bargaining power to procure specific coverage. [2]SeeCont'l Cas. Co. v. Signal Ins. Co.,119 Ariz. 234, 580 P.2d 372, 376 (App. 1978) (a Certificate "cannot contradict the terms of a policy; it only provides information as to the policy's contents.").