Certificate of Insurance (COI)
A one-page summary, usually on an ACORD 25 form, showing which policies a firm carries, the limits and key endorsements.
What it means for your firm
A certificate is evidence of insurance, not the policy itself. It does not add or change coverage.
Contracts often list exactly what the certificate must show. We check those requirements before the certificate is issued.
Articles that explain it
The Certificate Isn’t the Coverage: Why a Certificate of Insurance Doesn’t Add an Additional Insured What “A- VII or Better” Means: Carrier Ratings Admitted vs. Non-Admitted Insurance: What Your Contract Actually Requires Premium Audits for Architects and Engineers: What to Expect Subconsultants and 1099 Architects: Who Covers Whom? My Client Wants to Be Additional Insured on My E&O. Can They?
General definition for education only. It is not an interpretation of any policy or contract, and it is not legal advice. The wording of your own policy and contract controls. Policies and definitions vary by insurance company.
Talk to a specialist
Tell Us About Your Firm. We’ll Tell You What We See.
Starting out or renewing, with a policy in hand or not. If something is worth discussing, we’ll call. If not, we’ll say so.