Certificate of insurance,
defined.
A certificate of insurance (COI) is a one-page document that proves a business or person carries specific insurance coverage. Usually issued on the ACORD 25 form by an agency or carrier, it summarizes the policy types, limits, effective dates, and insurer, so a third party such as a client or landlord can confirm coverage without seeing the full policy.
Why certificates of insurance matter
Clients request certificates constantly, often to satisfy a contract, a lease, or a vendor requirement, and usually on a tight deadline. The certificate confirms that coverage exists as of the issue date.
A certificate is informational. It does not amend, extend, or change the coverage in the underlying policy, so it must never show more than the policy actually provides.
Common questions
Does a certificate of insurance change my coverage?
No. A certificate of insurance is informational only. It summarizes the coverage already on the policy and does not amend, extend, or alter it. Any change to coverage requires an endorsement to the policy itself.
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