Certificate of Liability Insurance (COI): Proof Your Business Is Protected
When working with clients, contractors, or landlords, you may be asked to provide a Certificate of Liability Insurance (COI). This document serves as official proof that your business carries active insurance coverage, offering peace of mind to partners and compliance with contracts.
What Is a Certificate of Liability Insurance?
A COI is a one-page summary of your commercial insurance policy. It lists the types and limits of coverage your business holds, the policy period, and the name of the insured party. It does not confer any rights to the certificate holder but assures them you are insured.
What Information Is Included in a COI?
- Policyholder Information
- Your business name and address, matching your legal entity.
- Insurance Coverages
- Types of coverage held, including general liability, workers’ comp, auto, and more.
- Policy Limits and Dates
- Shows how much coverage you have and for how long.
- Certificate Holder
- The entity requesting proof of coverage (e.g., landlord, client).
- Additional Insured Status (if applicable)
- Some holders may request to be named as an additional insured for added protection.
Why Do You Need a COI?
Many landlords, vendors, and clients require proof of insurance before entering into a contract. A COI helps demonstrate that your business is prepared, professional, and protected.
How to Obtain a Certificate of Insurance
When you secure coverage through TriPack, your insurance provider can issue a COI quickly and accurately. Need one today? We can help.