Certificate of Insurance (COI) for Small Businesses: What It Is, What It Proves, and How to Read It

A certificate of insurance (COI) is a short document that summarizes insurance information for a person or business. A client, landlord, general contractor, or vendor may ask for one before signing an agreement or allowing work to begin. A COI helps the recipient review the named insured, insurer, policy types, stated limits, and policy dates—but […]