Glossary
Certificate of insurance (COI)
The one-page proof-of-coverage document listing your policies, limits, and effective dates. A certificate informs; it does not itself change coverage — endorsements…
What is certificate of insurance (COI)?
The one-page proof-of-coverage document listing your policies, limits, and effective dates. A certificate informs; it does not itself change coverage — endorsements do that.
Why it matters
The COI is the document that unlocks contracts: clients, landlords, and platforms ask for it as proof you are covered. Same-day certificate turnaround is often the practical difference between winning a job this week and losing it. We issue COIs the same day for active policies.