A Certificate of Insurance (COI) is a document that provides proof to others that you have a valid, active insurance policy.

COIs are expected in many business situations where there’s a potential for liability or loss.


A certificate of insurance is important because, quite simply, it gives small business owners and contractors the confidence that they’re protected by insurance, and in turn, their clients have protection as well.

The Policyholder is our customer and owner of the insurance policy.

The Certificate Holder is the person or entity that is requesting proof of insurance from the Policyholder.


For example: Before a homeowner hires a carpenter to perform work on their home, they may request proof of insurance from the carpenter. In this scenario, the carpenter is the Policyholder and the homeowner is the Certificate Holder