What Is a Certificate of Insurance (COI)?
A Simple Explanation of a Certificate of Insurance
If someone asks you for a certificate of insurance (COI), it usually means they want proof that you have active coverage. This is common for contractors, small businesses, landlords, and vendors working with clients or property owners.
A COI is a document that summarizes key details about your insurance policy so others can verify your coverage quickly.
How to Request a Certificate of Insurance
- Submit a Request
Provide the certificate holder details and delivery preferences. - We Review Your Policy
Coverage is confirmed against the request requirements. - Certificate Is Issued
Your COI is prepared with the correct details. - Delivered Your Way
Sent by email, fax, or made available for pickup.
Who Issues a Certificate of Insurance?
Many people assume a COI comes directly from an insurance company, but in most cases, it's issued by your insurance agent or broker.
If you need a COI, the simplest way to get one is to request it through your insurance agency.
How Fast Can You Get a COI?
Most certificate requests can be completed quickly, often within one business day, depending on the details provided. Submitting accurate information helps avoid delays.
What Information Is Included on a COI
A certificate of insurance typically includes:
- Type of coverage (such as general liability or workers' compensation)
- Policy numbers
- Coverage limits
- Effective and expiration dates
- Name of the insured (you or your business)
- Certificate holder (the person or company requesting proof)
This information helps confirm that your policy meets the requirements of a contract, job, or lease.
When You Might Need a COI
Certificates of insurance are commonly requested in situations like:
- Starting a new job or contract
- Working as a subcontractor
- Signing a commercial lease
- Hiring vendors or service providers
- Providing proof of coverage to a client
Having a COI ready helps avoid delays and keeps projects moving forward.
What We Need to Process Your COI Request
To issue a certificate quickly and accurately, you'll typically need to provide:
- Certificate holder name (person or business requesting it)
- Certificate holder address
- Type of coverage required (if specified)
- Any special instructions
- How you want the COI delivered (email, fax, or pickup)
Providing complete details helps ensure your certificate is accepted the first time.
Common Questions About Certificates of Insurance
What is a certificate of insurance?
It's a document that proves you have active insurance coverage and summarizes key policy details.
Who issues a COI?
Your insurance agent or broker typically prepares and provides the certificate.
What is a certificate holder?
The person or organization requesting proof of your insurance coverage.
Can a COI change my coverage?
No. A certificate only reflects your existing policy-it does not change or extend coverage.
Need a Certificate of Insurance?
If you've been asked for a COI, the next step is submitting a request with the right details so it can be processed quickly.