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Certificate of Liability Insurance: Form, PDF Sample, Proof & Cost

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Table of contents

1. What is COI?2. What is a Certificate of Liability Insurance: The Definitions 2.1. What is Certificate of Liability Insurance: Most Simple Definition 2.2. What is Personal Certificate of Liability Insurance: A Definition According to the Information Provided 2.3. What is Insurance Liability Certificate: A Definition According to How It Looks Like  2.4. What is Proof of Liability Insurance? 2.5. A Brief Note: Some Quick Clarifications  3. Getting More in Depth: General Liability Insurance Certificate and Professional Liability Insurance Certificate  3.1. Certificate of General Liability Insurance  3.2. Certificate of Professional Liability Insurance4. 5. What is a COI in Construction: Contractor Certificate of Insurance6. 7. What is a Certificate of Insurance for Vendors?8. What is a COI in Business: Certificate of Business Insurance 8.1. What is a Business Certificate of Insurance for Commercial Property Coverage? 8.2. What is the Certificate of Business Insurance for Commercial Auto Liability?8.3. What is Proof of Business Workers Comp Insurance?9. 10. Certificate of Insurance from Different Companies 10.1. What is a COI from Thimble: Thimble Certificate of Insurance 10.2. What is COI from Next Insurance: Next’s Certificate of Insurance 10.3. What is a Certificate of Insurance from CoverWallet: CoverWallet’s Insurance Cert 10.4. 10.5. What is Certificate of Insurance from Progressive: Progressive’s Certification of Insurance 10.6. 10.7. What are Certificates of Insurance from Hiscox: Hiscox Proof of Business Insurance 11. 11.1. What is Certificate of Insurance from USAA: USAA’s Certificate of Insurance 11.2. 11.3. What is COI from Geico: Geico’s Certificate of Insurance 11.4. 11.5. What is a COI from The Hartford: The Hartford’s Certificate of Insurance 11.6. What’s a COI from State Farm: State Farm’s Certificate of Insurance 11.7. 11.8. What’s a COI from Farmers Insurance Exchange: Farmers Certificate of Insurance 12. How to Get a Certificate of Insurance for an Event? 13. 14. How to Provide Proof of Insurance to Someone Abroad? 15. How Long Does It Take to Get Proof of Insurance?16. How to Get Proof of Insurance Online? 17. How to Show Proof of Insurance Online?18. 19. Getting Your COI’s: How to Get Certificate of Liability Insurance and Certificate of Business Insurance from CoverWallet, Thimble, and More! 19.1. How to Get a COI from CoverWallet? 19.2. 19.3. How to Get a Certificate of Insurance from Thimble? 19.4. 19.5. How to Get Certificate of Insurance from Next? 19.6. 19.7. How to Obtain a Certificate of Insurance from Hiscox? 19.8. 19.9. How to Get a Liability Insurance Certificate from State Farm? 19.10. How Do I Get a Certificate of Insurance from Progressive? 19.11. How Do I Get an Insurance Certificate from Geico? 19.12. How Do I Get Proof of Insurance from Farmers? 19.13. How to Get a Wayfair Certificate of Insurance? 20. 21. Certificate of Liability Insurance Cost 21.1. COI Requirement: What You Need to Get Certificate of Insurance 22. 23. Fake Insurance Certificate 23.1. What is a Fake Certificate of Insurance? 23.2. Is There Fake Insurance Card Too? 23.3. How to Make Fake Proof of Insurance? 24. 25. When Do You Need a Certificate of Insurance? 26. 27. Instant Business Resources: Free Printable PDF Blank Certificate of Insurance Form 27.1. Blank Proof of Insurance California 27.2. Template of Certificate of Liability Insurance Florida 27.3. Texas Liability Insurance Card Template 27.4. Certificate of Liability Insurance PDF: Other Free Printable PDF Blank Certificate of Insurance Form

If you’re running a startup or practicing a profession where you have to provide tangible services (e.g construction, writing, bookkeeping, etc.), clients might ask if you have liability insurance. 


And how to prove you own a business that’s insured or you yourself are insured? The only way to do so is to show your personal certificate of liability insurance or simply certificate of liability insurance. 


Keep reading if the term liability insurance certificate is new to you. In this guide, we will talk about what is a certificate of liability insurance, how much does a certificate of insurance cost, how to get a certificate of liability insurance, and more! But before we do so, let’s discuss what a COI is to avoid confusion. 

What is COI?

So what is a COI? COI is a short term for certificate of insurance.  A COI in insurance is, in essence, a document serving as the legal evidence that you’re insured. In auto insurance terms, COI is sometimes also called a certificate of cover. 


Another way to answer your question about what is COI in insurance is to tell you that it's a broad term that pertains to certificate of liability insurance, certificate of business insurance, certificate of  contractors insurance , certificate of insurance for events, and certificate of vendors insurance. 


With that said, there’s no need to wonder much about what is a COI in insurance or what does COI mean in insurance as it’s just industry jargon.



What is a Certificate of Liability Insurance: The Definitions

There are many definitions as to what certificates of liability insurance are. And so, we’ll show you all of the meanings in this section. 


What is Certificate of Liability Insurance: Most Simple Definition

Liability certificate of insurance is a one-page document that proves you’re covered by a specific liability insurance policy and can pay if ever a client makes a claim.

 

What is Personal Certificate of Liability Insurance: A Definition According to the Information Provided

Certification of liability insurance or insurance certificate of liability is a document showing the:

  • Policyholder’s name

  • Contact details (Phone number, email, or fax)

  • Who your insurance carrier is/are

  • What liability policies you purchased (general liability, professional liability, employer’s liability, products liability, etc.)

  • The policy limit or amount of coverage (money) you can get from your liability policies


What is Insurance Liability Certificate: A Definition According to How It Looks Like 

A certificate of liability insurance proves that you’re insured. It is a form issued by the insurance company upon your request. Take a look at this sample certificate of liability insurance to get an idea. 


Note that some companies also like to issue a liability certificate of insurance with a very simple format, which will look very different from the above photo. 


What is Proof of Liability Insurance?

The term proof of liability insurance or evidence of liability insurance is just another term for cert of liability insurance. Proof of liability insurance coverage and certificate of liability insurance coverage are used interchangeably. With that said, no need to get confused.


A Brief Note: Some Quick Clarifications 

When requesting to get a liability certificate of insurance from a company or insurance agent, always be wary not to coin these terms, which people often use, when referring to coi liability insurance. 

  • Certified liability insurance 

  • COI insurance or insurance COI 

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Getting More in Depth: General Liability Insurance Certificate and Professional Liability Insurance Certificate 

Certificate of General Liability Insurance 

General liability is a type of liability insurance policy that protects you from the cost of client personal injury claims or property damage claims. Furthermore, it can be added with optional policies such as products and completed operations coverage, products liability coverage, and advertising injury coverage for enhanced protection.


Carriers allow you to get a certificate of insurance general liability the moment you decide to get covered. Your certificate of general liability insurance form contains vital information such as:

  • Name of the policyholder (your business name or your name)

  • Additional insureds (other entities or individuals you stated as covered by your general liability insurance policy)

  • Name of insurer(s) or carrier(s) (the insurance company where you purchased the general liability coverage)

  • The optional policies added to general liability insurance, if there are any (products and completed operations, advertising injury, etc.) 

  • The inclusions and exclusions in your general liability policy

  • The general liability insurance’s effective duration

  • Policy limits (if sub-limits apply then the certificate of general liability insurance will also show how much)

  • Type of general liability policy (per occurrence or claims made)

  • Policy number (a unique number code that’s unique to your general liability  insurance policy)


Certificate of Professional Liability Insurance

Professional liability insurance answers your financial liability upon causing economic loss or financial loss because of mistakes, negligence, misrepresentation, and violation of good faith. Carriers will also provide a certificate of professional liability insurance as soon as you purchase the policy. A certificate of liability insurance shows the following information:

  • Name of the policyholder (your business name or your name)

  • Additional insureds (other entities or individuals you stated as covered by your professional liability insurance policy)

  • Name of insurer(s) or carrier(s) (the insurance company where you purchased the professional liability coverage)

  • The inclusions and exclusions in your professional liability policy

  • The professional liability insurance’s effective duration

  • Policy limits 

  • Policy number (a unique number code that’s unique to your professional liability  insurance policy)


What is a COI in Construction: Contractor Certificate of Insurance

The certificate of insurance for contractors or contractor COI for short proves that a contractor has the insurance policies providing coverage if ever the client makes a claim because of the following:

  • Missed deadlines

  • Breach of contract

  • Violation of good faith

  • Property damage

  • Bodily injuries

  • Any issues arising from a defective product or inadequate service


There are many formats for contractor insurance certificates. Here’s one we found online:



What is a Certificate of Insurance for Vendors?

Organizers always request for a confirmation of coverage from  vendors , which is called vendors certificate of insurance. Typically, the format of vendor COI is similar to the format of certificate of liability insurance. 


What is a COI in Business: Certificate of Business Insurance

A business coi or company coi, otherwise called certificate of insurance for business or business certificate of insurance,  is a document that proves you’ve purchased a particular business insurance policy for yourself or your business.


Just as there are many types of business insurance, there are many types of companies certificate of insurance such as commercial property coi in business, commercial auto coi for business, workers comp business insurance certificate, and so on. Let’s take the time to discuss each of these in detail. 

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What is a Business Certificate of Insurance for Commercial Property Coverage?

The first business certificate you need to know about is the coi for commercial property insurance. Commercial property insurance is the policy that will take care of losses caused by business interruption, business equipment breakdown, and damage to business buildings and other tangible assets. 


Commercial property insurance always comes with a coi'. Here’s what the standard commercial property business owner certificate of insurance looks like:


So what can you do with a business certificate of insurance like this one? Essential information inside a commercial property certificate of insurance are:

  • Name of the policyholder

  • Name of insurer(s) or carrier(s)

  • NAIC number of the carrier

  • Contact details

  • Customer ID #

  • Effective date and expiration date of the commercial property insurance policy

  • Policy type 

  • Policy Number

  • Property information

  • Specific coverages included in your commercial property insurance

  • Inclusions and exclusions


What is the Certificate of Business Insurance for Commercial Auto Liability?

Vehicles used for business purposes are best covered using commercial auto liability insurance as it’s cheaper and provides more coverage than personal auto liability insurance. 


The proof of business commercial auto liability insurance looks very different from business proof of insurance for commercial property coverage. Usually, the certificate of auto  liability insurance is issued as a card and looks like this:


As shown in the above photo of card proof of commercial insurance, a commercial auto liability insurance certificate contains the following information:

  • Insurance carrier details

  • Policyholder details

  • Policy number

  • Policy lImits

  • Optional coverages (if there are any)

  • Policy effective and expiry date

  • Type of vehicle insured

  • Vehicle make and model


What is Proof of Business Workers Comp Insurance?

Workers compensation insurance sees to it that a business can help employees recover lost income due to missed employment and medical expenses after experiencing a work-related injury. 


Sometimes, authorities might ask you to hand over a copy of proof of business insurance for purchasing a workers comp coverage. This is very important as workers comp coi means in business that you’re not infringing any laws.


So what does a workers comp certificate of insurance look like? Actually, there is no business proof of insurance for workers comp coverage. Remember certificate of liability insurance? There’s a section in this  coi'  which tells whether or not workers comp is purchased. 

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Certificate of Insurance from Different Companies

What is a COI from Thimble: Thimble Certificate of Insurance

Thimble is a short-term insurance carrier that allows its policyholders to get a certificate of insurance online. According to the company, its certificate of insurance shows the following information:

  • Policyholder legal name and business information as well as state location and street address

  • The name of the insurance company where you bought your policy, its state, and street address

  • Policy number, effective date, and expiration

  • The type of coverage currently in force

  • Insurance limits and deductibles

  • The name of the party requesting the COI

  • A section that tells whether the certificate holder is an additional insured


Thimble certificate of insurance follows the format of acord 25 certificate of liability insurance.


What is COI from Next Insurance: Next’s Certificate of Insurance

Next’s insurance certificate is very innovative. It can only be viewed through the Next insurance app and looks like it's part of it. Next’s insurance policy certificate looks very clean and straightforward. The certification of insurance from Next shows basic information such as the policy purchased and the name of the insured. Furthermore, you can do the following with it:

  • Email the certificate of insurance to someone

  • Show the certificate of insurance as text or social media post

  • Add additional insureds


What is a Certificate of Insurance from CoverWallet: CoverWallet’s Insurance Cert

CoverWallet isn’t an insurance company. However, it can sell the policies of its partners and issue certificates of insurance to the customer through the MyCoverWallet app. According to CoverWallet, its certificate of insurance shows the following information:

  • Type of coverage

  • Effective date

  • Inclusions, exclusions, and policy limits

  • The name of the representative issuing the certificate

  • Policy number

  • Cancellation details.


If you want to know what CoverWallet’s certificate of insurance might look like, we suggest you watch this video .


What is Certificate of Insurance from Progressive: Progressive’s Certification of Insurance

Progressive doesn’t only offer a certificate of insurance. It also allows policyholders to get insurance cards containing the following information:

  • Name and address of the insurance company

  • NAIC#

  • Effective date and expiration date

  • Policy number

  • Name of the policyholder

  • Year, make, model, and VIN (only applies for cert of insurance of auto liability coverage for business and independent professionals)


Are there photos of Progressive’s COI? We found a proof of business insurance template following Progressive’s formatting:




What are Certificates of Insurance from Hiscox: Hiscox Proof of Business Insurance

What is the COI from Hiscox ? Hiscox’s proof of business insurance has different formats. Here’s an example showing what are coi’s from Hiscox:


What is Certificate of Insurance from USAA: USAA’s Certificate of Insurance

Here’s how the certificate of insurance from USAA looks like:


What is COI from Geico: Geico’s Certificate of Insurance

Geico is one of the cheapest, if not the most affordable, car insurer in the United States. And aside from cars, this company also insures businesses. So what is the certificate of insurance from Geico? Available Geico certificate of insurance are:

  • Geico insurance card for auto coverage

  • Geico temporary insurance card for auto coverage

  • Geico business liability insurance certificate

  • Geico certificate of liability insurance for independent professionals

  • Geico general liability insurance certificate

Geico uses different formats for each of its coi’s. Here’s a sample geico insurance card for auto coverage and liability coverage for professionals and businesses.


What is a COI from The Hartford: The Hartford’s Certificate of Insurance

The Hartford provides comprehensive protection for businesses and gives its policyholders the liberty to get public liability insurance certificate (PLI certificate) and other types of COI for small business and big business. Your certificate of insurance from this company follows ACORD’s formatting. This is its appearance:


What’s a COI from State Farm: State Farm’s Certificate of Insurance

This is what the State Farm certificate of insurance for small business and big business looks like:


What’s a COI from Farmers Insurance Exchange: Farmers Certificate of Insurance

Farmers Insurance Exchange uses different formats for its certificate of insurance. The photos below show what are COI from Farmers and their look:




How to Get a Certificate of Insurance for an Event?

The best thing to do is to call your insurance agent, broker, or carrier and tell them what specific details the event organizer wants to see in your certificate of insurance and when it should be submitted.


How to Provide Proof of Insurance to Someone Abroad?

Providing proof of your insurance to someone abroad is easy. First, you can do it online if the carrier has an intuitive policy tool that allows you to send a COI as a text message, photo, or email. If not, then the other method is to get a PDF copy of your certificate or email it. The final method is to mail your certificate to the other person.


How Long Does It Take to Get Proof of Insurance?

Getting or sending your insurance certification online to someone happens in an instant. On the other hand, if done with the help of agents or customer service representatives, you’ll receive your certificate within 1 - 2 days, provided that the COI will be faxed or emailed. If it will be mailed, then you’ll receive your COI within 3 - 5 days or longer.


How to Get Proof of Insurance Online?

To get your proof of insurance online, what you’ll usually do is either use your carrier’s certificate of insurance management software or website (if there’s any); or email and request for the COI to be emailed back. Now that you know how to get insurance certificate online, let’s discuss how to get the certificate of insurance of some carriers.


How to Show Proof of Insurance Online?

You can do any of the following to show your proof of insurance online:

  • Scan your proof of insurance and email it as a pdf file

  • Take a picture of your proof of insurance, convert it into a pdf file, then send it via email

  • Use your carriers online policy management tool (only applies if there is)



Getting Your COI’s: How to Get Certificate of Liability Insurance and Certificate of Business Insurance from CoverWallet, Thimble, and More!

How to Get a COI from CoverWallet?

CoverWallet’s policyholders can get their certificate of insurance in the MyCoverWallet app or the CoverWallet website. These are the steps in how to get online proof of insurance from the company:

  • Log in to the MyCoverWallet app or CoverWallet website

  • Click or tap “My Insurance”

  • Click or tap “Certificates”

  • Click or tap “View Certificate” to see what a particular certificate of insurance looks like

  • Click or tap “Save” or “Download”


How to Get a Certificate of Insurance from Thimble?

Thimble’s insurance by the hour, days, or weeks comes with a certificate of insurance. To get it, you can call a Thimble agent or broker. However, if you’re in a hurry, you can get Thimble’s certificate insurance through its app or website. These are the steps in how to get proof of insurance online from Thimble:

  • Log in to the Thimble app or website

  • Click or tap “View Certificate”

  • Click or tap “Share” or “Download”


How to Get Certificate of Insurance from Next?

Next offers proof of insurance online. If you’re a customer, all you have to do to get the Next Insurance certificate of insurance is log in to the Next app or website, go to the Live Certificate page or tab, then instruct the system to share your online proof of insurance via email, text, or social media post.


How to Obtain a Certificate of Insurance from Hiscox?

Getting insurance certificates from Hiscox is rather traditional. To get it, file a certificate of insurance request or COI request by sending an email to customer support or contacting your agent.


How to Get a Liability Insurance Certificate from State Farm?

If you’re currently holding a policy from State Farm, create your certificate of insurance by visiting this page .



But in case you don’t want to do the legwork, another way in how to get insurance certificate is by calling a State Farm agent.


If no agent has the time to help, you can also call State Farm customer service representatives via 800-782-8332 to get proof of insurance.


How Do I Get a Certificate of Insurance from Progressive?

So how to get COI from Progressive? What you have to do depends on what kind of policy you purchased from the company.


If you’re holding an auto insurance policy, get your certificate of insurance online by logging in to Progressive's website using your credentials and printing the insurance card.


For other policies, you can call 1-866-749-7436 to request a certificate of insurance and have it faxed to you or someone else.


Finally, if not through fax or online, call the same number and request Progressive to mail your certificate of insurance.


How Do I Get an Insurance Certificate from Geico?

How do you get a certificate of insurance from Geico? If you’re a customer, you can request for certificate of insurance by logging in to Geico’s website or app then go to the policy documents section.


If you find this process about Geico request for evidence of insurance confusing, call Geico customer representatives at (800) 861-8380. Note that this method only applies to getting personal certificate of liability insurance Geico and other COIs.


There is no certification of insurance online for special coverages. For getting a certificate of special insurance coverage, call (877) 206-0215 for assistance.


Aside from proof of insurance Geico, you can also get a Geico ins card or Geico ID card. To do this, you only have to install the Geico mobile app, log in, then tap on the ‘View ID Cards” section.


How Do I Get Proof of Insurance from Farmers?

If you’re wondering how to get a business certificate of insurance from Farmers as well as certificates of other policies the company offers, know that you can do so by calling a customer service representative at 1-888-327-6335. You can also visit their website , which is the second method in how to get business certificate of insurance and other COIs from Farmers.


How to Get a Wayfair Certificate of Insurance?

Since Wayfair is not an insurance company, you can get certificates by calling the carriers that Wayfair partnered with to give you coverage.




Certificate of Liability Insurance Cost

Certificate of insurance cost is zero. Never pay a dime for getting your certificate of liability insurance, certificate of business insurance, etc. COI is free and always will be. Report your carrier to the authorities or its agent if you’re asked to make a payment.


COI Requirement: What You Need to Get Certificate of Insurance

You are only eligible to get a COI if you bought a policy from an insurance company. Aside from this, there are no other requirements for getting a certificate of liability insurance, certificate of business insurance, etc.




Fake Insurance Certificate

What is a Fake Certificate of Insurance?

Fake business insurance certificate, fake workers comp certificate, and fake general liability insurance certificate are examples of fake COI. In a nutshell, a fake COI or fake certificate of insurance - if you prefer the lengthy term - allows fraudsters to get contracts without the required insurance requirements.


Some of the most common fake COIs are fake certificate of insurance for events, fake instant insurance card, fake certificate of insurance for vendors, and fake contractors insurance certificate.


Why do people use fake business certificate of insurance, fake liability insurance certificate, and other types of fake COI? The reasons are as follows:

  • The person wants to get the contract and needs to satisfy particular insurance required, which he or she doesn’t currently have, to do so

  • The person wants to rent something and needs to look like he or she is insured to do so

  • The person needs to look like he or she is insured in order to get access to an event as a vendor or craftsman


Is There Fake Insurance Card Too?

Fake insurance cards for commercial auto coverage are also common. Some use this to bypass auto insurance requirements mandated by law and business contracts. Why is this common anyway? Fake insurance cards are common due to websites that allow people to download free fake insurance card templates or teach people how to make a fake insurance card.


How to Make Fake Proof of Insurance?

To create fake business certificate of insurance and other types of proof of insurance might be illegal. And so, we suggest you don’t learn to do it. Know that at the end of the day, doing so will bring more trouble for more than what it’s worth.




When Do You Need a Certificate of Insurance?

The table below shows the situations and what certificate of insurance you might need to provide:

When What COI You’ll Need to Show
You want to register your car registered as a commercial car Commercial auto liability COI or commercial auto liability insurance card
You want to rent someone’s building Commercial property certificate of insurance
You’re under a lawsuit accusing you of not providing compensation to employees for work-related injuries and need to prove that the opposite is true Certificate of liability insurance template with a workers comp field/section
You’re bidding for a construction project Contractors certificate of insurance
You plan to sell your goods at an event Vendor certificate of insurance
Someone wants your services Professional liability insurance certificate
You’re planning to get a business license as well as other related papers Commercial property COI, general liability COI, auto liability COI.



Instant Business Resources: Free Printable PDF Blank Certificate of Insurance Form

Blank Proof of Insurance California

Click the link below to download California's certificate of liability insurance sample.


Template of Certificate of Liability Insurance Florida

Click the links below to download Florida certificate of liability insurance form.

  • Download Florida auto insurance card template (coming soon)


Texas Liability Insurance Card Template

Click the link below to download texas certificate of liability insurance form pdf fillable.


Certificate of Liability Insurance PDF: Other Free Printable PDF Blank Certificate of Insurance Form

Here are some sample certificate of liability insurance as well as other kinds of certificate of liability insurance available to download (note all the COIs provided here are sourced from the Texas Department of Insurance):


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