Why this shows up
Clients ask for a COI because they want proof of coverage before work starts, but the certificate is not the full policy.
What this changes for you
This usually creates a document workflow. You need the certificate holder, required policies, limits, due date, and any special wording before your broker can issue the right certificate.
What to check first
- Who should be listed as certificate holder?
- Which policies and limits must appear?
- Does the client require special wording or endorsements?
Example contract wording
Vendor shall provide a certificate of insurance prior to commencement of services.
What to do next
- Copy the certificate holder name and address exactly.
- List the policies and limits the client wants shown.
- Ask your broker whether any requested wording needs carrier approval.
Questions to ask
- Can you issue this certificate today?
- Can the requested wording appear on the certificate?
- Do any endorsements need to be added first?
Common mistake
Sending an old or generic certificate that does not match the client's wording, holder name, or required limits.