

When you work with other businesses, you take on new risks — especially if a subcontractor or vendor doesn’t carry the right coverage. A Certificate of Insurance (COI) provides quick, verified proof that your business has active insurance in place, so everyone is protected before the work begins. It outlines key policy details like coverage types, limits, and effective dates, giving your partners confidence and keeping you compliant on every project.
Every COI we issue is reviewed for accuracy, including policy dates, coverage limits, and endorsements. You get a certificate that meets contract requirements and won’t be rejected by a GC or client.
Providing or collecting COIs ensures the right policy responds if something goes wrong. You protect your business from taking on someone else’s risk — and avoid costly liability issues down the road.
Whether you need one certificate or ongoing support, we make the process quick and easy. Send your request, and we’ll handle the details, answer questions, and make sure everything is documented properly.
Projects shouldn’t ever wait on paperwork. We process COI requests quickly — often the same day — so you can start jobs, meet requirements, and keep business moving without delays.
Request a Certificate of Insurance in just a few clicks. Our team ensures everything is accurate, compliant, and delivered fast — so you can start the job without delays.
Submit your Certificate of Insurance request online — we only ask for the essentials so you can get started fast.
Our team reviews your policy details to ensure the COI reflects the correct coverages, limits, and endorsements.
We’ll clarify anything needed and confirm the receiving party’s requirements — so there are no surprises or delays.
Your accurate COI is issued and sent to you (or directly to your partner) quickly, so work can begin without hold-ups.
Depending on your role in relation to other businesses you work with, you may need a certificate of insuranceIf you are a subcontractor, vendor, or any business performing services on another business’ behalf, you will need to provide a COI. If you are hiring a subcontractor, vendor, or any business to perform services on your behalf, you will need to obtain a COI from the subcontractor.
The purpose of acquiring a COI is to make sure the person doing work for another company has coverage comparable to their own. That way, in the event of a claim, the subcontractor’s insurance will essentially respond and cover the hiring company.
If the subcontractor didn’t have adequate insurance and there were a claim, the hiring company would end up needing to pay.
The COI outlines details about your insurance policy including your Company name, Insurer name, Type of insurance, Policy numbers, Policy effective dates and Coverage limits.
Essentially, the COI serves as a proof of insurance so other businesses you work with know you have the insurance protections essential to minimize risks. It serves as a peace-of-mind before entering into a business agreement.The word “audit” may sound stressful, but don’t panic. At the beginning of the year, you pay a certain amount for general liability and workers compensation coverage.
If you’re asked to go through an audit at the end of the year, Connect Insurance Group reviews your business’ payroll and other documents to determine if the premium you paid was accurate.
A COI is an official document that proves your business has active insurance coverage. It includes key policy details like coverage types, limits, and effective dates — giving hiring companies confidence that you’re properly insured.
Simply contact your insurance agent with the name of the company requesting the COI and any specific coverage requirements. At Connect Insurance Group, we handle the coordination so your COI is issued correctly and quickly.
Most certificates can be delivered same-day, as long as policy details are already in place. If special endorsements or wording are required, it may take a little longer — but our team keeps you updated throughout the process.
Standard COIs are typically free through your active business insurance policy. Additional endorsements or changes to your coverage requirements may come with an added cost depending on your carrier.
Get the documentation you need to secure jobs and protect your business — delivered fast.