What a certificate of insurance proves
Published May 30, 2026
A certificate of insurance, or COI, is a short document that proves a business carries specific insurance coverage. Clients, landlords, and partners often request one before doing business, and providing it is usually quick and free.
What it shows
A COI lists the policies in force, the coverage types and limits, the policy dates, and the insurer. It summarizes coverage without revealing the full policy contract.
Why clients request it
Businesses ask for a COI to confirm that a contractor or vendor is insured before work begins, reducing their own risk if something goes wrong. Some contracts require being named as an additional insured.
How to get one
You request a COI from your insurer or agent, who issues it at no cost in most cases. If a client needs to be added as an additional insured, mention that when you request it.
Frequently asked questions
＋ What is a certificate of insurance?
It is a one-page document that proves a business carries certain coverage, listing the policies, limits, and dates without revealing the full contract.
＋ Why do clients ask for a COI?
To confirm a contractor or vendor is insured before work begins, which reduces the client's risk. Some contracts also require being named as an additional insured.
＋ How do I get a certificate of insurance?
Request it from your insurer or agent, who usually issues it at no cost. If a client must be added as an additional insured, say so when you request it.
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Educational content only — not legal, financial, or insurance advice. Requirements and pricing vary by state.