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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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.
Common questions.
What is a certificate of insurance?
Is a certificate holder an additional insured?
How fast can I get a certificate?
Want a clear read before you commit?
Tell us what you are dealing with and we will give you a straight, educational read. No pressure, no obligation.
Get the client the certificate they actually need.
Send us the request and the wording and we will produce an accurate certificate.