What Is a Certificate of Insurance (COI)?
What a COI shows, what it does not do and why contractors are frequently asked to provide one.
A certificate of insurance is a summary document that provides evidence of existing insurance at a particular point in time. It does not replace the policy, change coverage or create rights beyond the policy terms. Contract requirements should be reviewed before certificates or endorsements are requested.
Questions to discuss with your agent
- What activities and locations are covered?
- Which exclusions or endorsements are important?
- What limits are required by contracts?
- What information should be updated during the policy term?
This article is general information only and is not a policy interpretation or guarantee of coverage.