What Is a Certificate of Liability Insurance (COI)?

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What Is a Certificate of Liability Insurance?

certificate of liability insurance A certificate of liability insurance is a document that proves you have general liability insurance coverage. It is also called a general liability insurance certificate, proof of insurance or an ACORD 25 form. This document includes details about:

  • Amounts and restrictions of coverage.
  • Your insurance provider.
  • The individual or entity listed as the insured party on the insurance policy.
  • Date of policy effectiveness.

    • Once the policy is issued, you will be able to access your liability insurance certificate online. In order to obtain a certificate of liability insurance, it is necessary to purchase a general liability insurance policy.

    General commercial liability insurance, also known as general liability insurance, is essential for your business.

    How Do I Get a General Liability Insurance Certificate From The Hartford?

    If a company necessitates it, there are two alternative methods to obtain an additional copy of your certificate. Upon obtaining a general liability insurance policy, you will automatically receive a certificate of insurance (COI) as evidence of insurance.

  • Please ask your agent for a certificate of insurance for general liability.
  • Explore our online platform, My Account, to submit insurance certificate requests. We promptly handle the majority of inquiries.

    • Why Might I Need a General Liability Insurance Certificate?

    liability insurance certificate There are a number of reasons why small business owners may need a certificate of liability insurance, such as requirements from:

  • Before agreeing to work with your business, a client will want to ensure that you have the appropriate insurance coverages to complete the project in the event of a claim.
  • If you are a landlord and want to make sure you have a liability insurance professional to help cover business-related claims for your rental space, you may want to have insurance liability professional.
  • Required professional licenses: Some professionals, such as real estate agents, are obligated to hold general liability insurance.

    • Common Questions About Certificate of Liability Insurance

    Who Counts as a Certificate Holder for General Liability Insurance?

    The individual who holds the certificate is typically the named insured on the general liability insurance policy.

    Why Should I Add My Client to My General Liability Insurance Certificate?

    certificate of liability Authorizing your client as an additional insured party to your general liability insurance policy and certificate is a common request for professional services. Clients often request it because your insurer will notify them if you cancel your policy before the expiration date.

    If you want to add additional insureds to your policy, you will need insurance certificates from The Hartford that establish liability coverage. Just having insurance certificates does not mean that the policyholder has any legal rights on your liability insurance policy. Therefore, please make sure your client is aware that adding them to your business liability insurance policy does not automatically grant them any legal rights.

    How Much Does a Certificate of Liability Insurance Cost?

    Getting general liability insurance coverage from Hartford will be your first requirement, but it won’t cost you anything extra.

    Get a General Liability Insurance Quote

    We know how to ensure that your business gets the right type of liability insurance coverage to meet your unique business needs. We’re backed by over 200 years of experience and specialize in serving small business owners with more than 1 million in coverage.

    Latest Update: June 15, 2022.