How do I get a certificate of insurance?


Editorial team Published on

To get a Certificate of Insurance (COI), contact your insurance company, log into your insurer's online policyholder portal, or reach out to your insurance broker/agent.

Steps to Get a COI

  • Log in online: Many commercial insurers (such as The Hartford or Progressive Commercial) let you generate and download a COI instantly through your customer portal.
  • Call your agent or broker: If you purchased your policy through an independent agent or broker, call or email them to request the certificate.
  • Provide the required details: Have the following ready when you make the request:
    • Your policy number and business name
    • The exact legal name and address of the certificate holder (the person or company requesting proof of insurance)
    • Specific coverage types or limits required (such as general liability or workers' compensation)
    • Any special endorsements requested, such as making the client an "additional insured"
  • Cost: A COI is typically free to obtain from your insurance provider once you have an active policy.
  • Delivery: You can usually have the document emailed or downloaded immediately, or sent directly from the insurer to your client.