What is a certificate of insurance?

A document summarizing your coverage for a client as of its issue date. It proves a policy exists but grants no coverage by itself; additional insured status comes from an endorsement.

Is a certificate holder an additional insured?

No. Being listed as a certificate holder is not the same as being an additional insured, which requires an endorsement on your policy. We confirm the wording the contract requires.

How fast can I get a certificate?

A standard COI is quick. Requests for additional insured status, waivers, or specific limits may require an endorsement or policy change. Send us the requirement and we will handle it.

Certificate of Insurance - Vantage Point Risk

A client wants a certificate of insurance? Here's what it means.

Clients and vendors often ask professional firms for a certificate of insurance, sometimes with additional insured wording or specific limits. We clarify what they actually need and make sure your policy can deliver it.

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A certificate of insurance (COI) summarizes your coverage for a client or vendor as of its issue date. It proves a policy exists but does not by itself grant coverage; additional insured status and specific wording come from endorsements. We help you produce an accurate COI and confirm your policy meets the request.

What a certificate is and is not

A COI is a snapshot that shows a client your coverage, carrier, and limits as of the day it is issued. It is useful proof, but it grants the holder no coverage by itself, and being listed as a certificate holder is not the same as being an additional insured. The endorsement behind the certificate is what actually delivers what a contract requires.

Handling the request

When a client asks for a COI, we need to know who needs it, the exact wording or contract requirement, and the deadline. A standard certificate is quick; a request for additional insured status, a waiver, or specific limits may require an endorsement, a policy change, or additional premium. We sort out what the request really needs.

Existing client or prospect

If you are already insured with us, this is a routine service request. If you are shopping, a COI request is often the moment to make sure your program actually meets what clients ask for. Either way, we clarify the COI versus the policy and confirm your coverage can deliver it.

A client wants a certificate of insurance? Here's what it means.

What a certificate is and is not

Handling the request

Existing client or prospect

Common questions.

Want a clear read before you commit?

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Contract Requirements Review

Professional Liability (E&O)

Professional Services Coverage Review

Get the client the certificate they actually need.