← Back to glossary
Insurance Basics
Certificate of Insurance (COI)
Also known as: COI · ACORD 25 · ACORD certificate
A standardized document evidencing that an insurance policy is in force, used to prove coverage to third parties.
A certificate of insurance is the standardized form (ACORD 25 for commercial general liability; ACORD 27 or 28 for property; specific forms for auto) that proves you have coverage. Landlords, shippers, brokers, and contractors require COIs as a condition of doing business. The COI lists the carrier, policy number, limits, and effective dates — but is NOT the policy itself. Certificates can usually be issued same-day by the agent and emailed to the requesting party.
Related
Need this coverage?
Get a quote from Riskara. Bilingual service in English and Arabic.
Get a Quote