What Is a COI and When Would You Need One? 

A certificate of insurance (COI) is an official document provided by your insurance company that summarizes your insurance coverage. It typically includes details such as the types of coverage you have (like general liability or workers’ compensation), policy limits, effective dates, and the name of the insured business. Essentially, a COI serves as proof that your business has active insurance in place.

When Would You Need a COI in Connecticut?

There are several common situations where a COI may be required:

• Client contracts: Many clients, especially in construction or service industries, will request a COI before allowing you to begin work. This reassures them that you have the necessary coverage in case of accidents or damages.
• Vendor agreements: If you’re working with vendors or subcontractors, they may ask for a COI to confirm your insurance status.
• Permits and licensing: Local authorities may require a COI when you apply for certain business permits or licenses.
• Leasing property: Landlords often request a COI before leasing commercial space to ensure you have liability coverage.
• Events and projects: Hosting an event or working on a special project may require you to provide proof of insurance to organizers or property owners.

How Our Team Can Help

AJ Gambardella Associates, LLC helps Connecticut business owners quickly obtain COIs when needed and explains what the documents cover.

If you have questions about COIs or need help securing proof of coverage, contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.