what is a certificate of insurance coi 
a certificate of insurance coi is a document issued by an insurance company or broker the coi verifies the existence of an insurance policy and summarizes the key aspects and conditions of the policy for example a standard coi lists the policyholder s name the policy s effective date the type of coverage policy limits and other important details of the policy without a coi a company or contractor will have difficulty securing clients because they will likely not want to assume the risk of any costs that might be caused by the contractor or provider 