Understanding Certificates of Insurance (COI)
A Certificate of Insurance (COI) is an official document providing proof of your insurance coverage. Most businesses use standard ACORD forms—specifically the ACORD 25 for commercial liability and the ACORD 28 for commercial property. These forms detail your policy limits, effective dates, and carriers, giving your clients, landlords, or general contractors the assurance they need to allow you on the job site.
Common Certificate Terminology
- Additional Insured: Extends your liability coverage to another party (like a general contractor or property owner) if they are sued due to your negligence.
- Loss Payee: Used primarily for property or auto policies, ensuring that a lender or lessor is paid first in the event of a total loss.
- Waiver of Subrogation: Prevents your insurance company from suing the certificate holder's insurance company to recover damages paid out for a claim.
Same-Day COI Turnaround
We understand that time is money. Contractors often cannot start work or get paid until a verified COI is in the hands of the hiring party. That's why The Premiere Metro Group prioritizes certificate issuance, offering rapid, same-day COI turnaround. Whether you need a standard ACORD 25 or complex endorsement wording, our commercial team is ready to deliver.
Certificate Request Form
Please complete the form below. For rush requests or specific additional insured endorsement wording, you can also attach contract requirements or call (504) 780-9980.