Certificate of Insurance (COI), Explained
A certificate of insurance (COI) is a one-page document that proves your business carries insurance — it lists your policies, limits, and effective dates. Clients, landlords, and general contractors require it before you start work or sign a lease. It's proof of coverage, not the coverage itself.
The wording that actually matters
Most disputes aren't about having a COI — they're about the endorsements a contract demands:
- Additional insured — adds the client/GC to your policy so they share its protection (ongoing and/or completed operations).
- Primary and noncontributory — your policy pays first, without tapping theirs.
- Waiver of subrogation — your insurer won't come after them to recover a paid claim.
A COI shows these are in place, but the actual protection comes from the policy endorsements behind it — which is why a broker should read the contract's insurance section, not just issue the certificate.
How to request a COI (fast)
- Have the certificate holder's exact name and address ready (who's requiring it).
- Send the contract's insurance requirements page so the endorsements match.
- Note the project or job details and any required limits.
- Request it from your broker — current clients can get one issued or updated by the Focus West service team. Call (714) 988-3863.
Need a certificate, or coverage that meets a contract's requirements?
FAQ
What's the difference between a certificate holder and an additional insured?
A certificate holder just receives proof that coverage exists. An additional insured is actually added to the policy and shares in its protection. Contracts often require both.
How fast can I get a COI?
For an existing policy with standard wording, often the same day. Unusual endorsements may need carrier confirmation first.
Can a certificate change my coverage?
No. A COI only reports what your policy already provides. The protection comes from the policy and its endorsements, not the certificate.
General information from Focus West Insurance Solutions (CA Lic. #0M32679), not coverage advice; endorsement availability varies by carrier and policy. Related: COI in the glossary · contractor insurance.