Certificate of insurance (COI)
A certificate of insurance, or COI, is a one-page form issued by an insurer or agent as proof that a business has a policy. It lists the coverage types, limits, policy dates and any additional insureds. Venues, cities and market organizers ask for one before a vendor or event can take part.
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About certificate of insurance.
Also called: COI, proof of insurance, insurance certificate.
A COI summarizes a policy; it is not the policy itself and does not change what the policy covers. Your agent or insurer issues it, usually the same day and often at no charge.
Organizers and venues usually ask for a COI that shows the event dates, specific coverage limits and a named certificate holder. Check that the dates cover the whole event, including setup and teardown, before you submit it.
A common mistake is sending an expired certificate or one that does not name the venue or organizer when that is required. Ask for the requirements in writing, then ask your agent to issue a matching certificate.
This is general information, not insurance or legal advice; an insurance agent can tell you what your own policy covers.
Organizers can require insurance certificates with each vendor application, and vendors can keep theirs on file and reuse them.
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