For Insureds, property managers, contractors, lenders, and certificate holders
What a certificate of insurance does—and does not do
Why a COI is evidence, not a policy change, and what information helps a request get reviewed.
A certificate summarizes evidence
A certificate generally summarizes certain policy information as of the date issued. It does not replace the policy, create coverage by itself, or amend terms merely because a holder requests wording.
Additional insured requires policy support
A request to name another party as an additional insured must be evaluated against the policy, applicable endorsement, contract, and carrier rules. A certificate cannot grant status that the policy does not provide.
Provide a complete request
- Exact insured name
- Policy number when available
- Certificate-holder legal name and address
- Contract or written insurance requirements
- Requested additional-insured relationship
- Operations, location, project, or loan reference
- Needed-by date and requester contact
Allow review time
Requests with custom wording, waiver, primary/noncontributory, notice, lender, project, or additional-insured requirements can require policy review or carrier action before the document is ready.