General Contractors
Required before subcontractors mobilize on a jobsite or invoice on a project.
◇Client Services
Request a Certificate of Insurance.
Need proof of insurance for a customer, project, contract, or property? Submit your request and our team will begin processing it promptly.
◇ Introduction
What a Certificate of Insurance actually does.
A Certificate of Insurance provides evidence that your business carries the insurance coverage required by a customer, contract, landlord, lender, or project owner. It summarizes the policies in force — carriers, limits, dates, and required endorsements — on a single, standardized document.
Every request is reviewed carefully to ensure the certificate accurately reflects the information required. The details matter, and we treat them that way.
◇ Request Form
Tell us about the certificate you need.
◇ What Happens Next
From request to delivery — six steps.
Step 01
Request Submitted
Your details arrive with our client services team the moment you submit.
Step 02
Advisor Reviews Request
A dedicated advisor reviews the request and confirms the certificate holder details.
Step 03
Coverage Requirements Verified
We check policy limits, endorsements, and contract wording against what's required.
Step 04
Certificate Prepared
The certificate is drafted accurately — additional insured, waivers, and language included.
Step 05
Certificate Delivered
You and the certificate holder receive the finished document via your preferred method.
Step 06
Future Requests Simplified
We keep your account on file so recurring requests move even faster next time.
◇ Common Requests
Who typically asks for a certificate.
Property Managers
Requested for tenants and vendors performing work at managed properties.
Landlords
Standard evidence of insurance for leased commercial or residential space.
Municipalities
Required for permits, public projects, and work performed on municipal property.
Lenders
Requested during financing to confirm collateral and liability coverage.
Customers
Provided to key accounts as part of vendor onboarding and compliance.
Suppliers
Required by suppliers before shipment, delivery, or on-site service.
Vendors
Exchanged between businesses to satisfy mutual insurance requirements.
◇ Important Information
A few things worth knowing.
- ◇ 01
Certificates cannot alter policy coverage.
A COI is evidence of coverage — it doesn't extend, modify, or add coverage beyond what the policy provides.
- ◇ 02
Additional insured status may require a policy endorsement.
Depending on the contract wording, we may need to file an endorsement with the carrier before the certificate can reflect it.
- ◇ 03
Some requests require carrier approval.
Custom wording, waivers of subrogation, or unusual limits sometimes need carrier review before issuance.
- ◇ 04
Incomplete information may delay processing.
Missing certificate holder details, project names, or contract requirements are the most common source of delay.
- ◇ 05
Early requests are encouraged whenever possible.
Send requests as soon as the requirement is known — it gives us time to review contract language carefully.
If a request is time-sensitive, note the deadline in the special instructions. Time-sensitive requests are prioritized.
◇ Frequently Asked Questions
Answers before you ask.
Need proof of coverage?
Our team is here to help make the certificate process simple and accurate — and to anticipate the certificates your contracts will require next.