Certificates of Insurance (COIs) Made Simple
Need Proof of Insurance for a Job or Contract?
Many businesses run into this situation: you’re ready to start a job or sign a lease, but you need to provide proof of insurance first. A certificate of insurance (COI) is often required by clients, landlords, and vendors before work can begin. S.B. Goddard & Son Co. helps businesses in Woburn and across Massachusetts request and receive COIs quickly, so you can keep projects moving.
Businesses in Burlington, Medford, Stoneham, Winchester, and Wilmington frequently request certificates for contracts, permits, and vendor agreements.
What Is a Certificate of Insurance?
A certificate of insurance (COI) is a document that shows your insurance coverage is active.
Proof of Coverage
It summarizes your policy details, including coverage types and limits.
Used for Contracts and Agreements
Clients, landlords, and vendors often request a COI before allowing work to begin.
Applies to Multiple Policies
Certificates can reflect general liability, workers’ compensation, commercial auto, and other policies.
When You May Need a COI
Starting a New Job
Contractors are often required to provide proof of insurance before beginning work.
Signing a Lease or Agreement
Landlords may request a COI to confirm liability coverage.
Vendor or Client Requirements
Businesses working with vendors or partners may need to show proof of insurance.
Permits or Licensing
Certain permits or projects may require documentation of insurance coverage.
What Is an Additional Insured?
An additional insured is a person or organization added to your policy for liability protection, depending on your coverage.
Common in Contracts
Clients or landlords may request to be listed as an additional insured.
Reflected on the COI
This request is typically shown on the certificate once added to the policy.
Important for Compliance
Meeting additional insured requirements helps satisfy contract terms.
COI Request Checklist: What to Have Ready
Submitting accurate information helps avoid delays or re-issues. Before requesting a certificate, gather:
• Business legal name
• Certificate holder name and address
• Job or project address
• Specific wording or requirements (if provided)
• Requested coverage types or limits
• Additional insured details (if required)
Providing complete details upfront helps ensure your COI is issued correctly the first time.
How to Request a Certificate of Insurance
Requesting a COI is typically a quick process when the right information is available.
Step 1: Submit Your Request
Provide the certificate details by email, phone, or through a contact form.
Step 2: Review Requirements
Your request is reviewed to confirm coverage and any additional insured needs.
Step 3: Certificate Issued
Once confirmed, the COI is prepared and sent to you or directly to the certificate holder.
Common COI Mistakes to Avoid
Incorrect Certificate Holder Information
Missing or incorrect details can delay approval.
Missing Additional Insured Requests
If required, this must be included before the certificate is issued.
Incomplete Job or Project Details
Providing full context helps ensure the certificate meets requirements.
Last-Minute Requests
Submitting requests early helps avoid delays when starting work.
Get Proof of Insurance Without Delays
Certificates of insurance are often the final step before work begins. Having a clear process and the right support helps you avoid delays and keep projects on track.
S.B. Goddard & Son Co. helps businesses in Woburn request COIs, manage documentation, and coordinate coverage across policies.