A certificate of insurance (COI) is a one-page document that proves your business has insurance. Clients, landlords and general contractors ask for it before they sign a contract or let you start work. Knowing how to get one quickly can help you win jobs faster.
What a certificate of insurance shows
- The name and address of the insured business.
- The insurance company and policy numbers.
- The types of coverage, such as general liability, workers’ comp or commercial auto.
- Policy effective and expiration dates.
- Coverage limits.
- The certificate holder, usually the client requesting proof.
How to get a certificate of insurance
- Buy the required coverage with limits that meet the contract.
- Request the certificate from your insurer or agent. Many online insurers let you create and download COIs instantly.
- Add the certificate holder’s details exactly as requested.
- Add additional insureds if the contract requires it.
- Send the COI to your client and keep a copy.
Certificate holder vs. additional insured
A certificate holder simply receives proof of your coverage. An additional insured is added to your policy and gains protection for claims arising from your work. Contracts often require the client to be an additional insured, which may require an endorsement to your policy.
Tips to avoid delays
- Read insurance requirements before signing contracts.
- Keep your policy active; a COI does not extend coverage.
- Update certificates when you renew or change limits.
- Choose an insurer that issues certificates online at any time.
Need a COI today?
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Frequently asked questions
How much does a certificate of insurance cost?
Most insurers provide certificates at no additional charge for existing policyholders.
How long does it take to get a COI?
With online insurers it can be instant. Traditional agents may take a few hours to a few days.
Is a COI the same as an insurance policy?
No. It is a summary that proves coverage exists; the policy documents define the actual terms.
Related business insurance guides
This page is for general information only and is not insurance, legal or tax advice. Requirements, coverage and prices vary by state, industry and insurer. Review policy documents and speak with a licensed agent before buying.