A document confirming a business's liability insurance coverage, often required by commercial clients before service begins and naming the client as “additional insured.”
Proof of coverage, not just a promise
A Certificate of Insurance is issued by an insurance provider and verifies that a business carries active liability coverage. Commercial clients — property managers, hotels, restaurants — commonly require one before allowing a vendor on-site, often naming their business as “additional insured” for extra protection.
Why commercial clients ask for it
A COI protects the client, not just the vendor — it confirms that if something goes wrong during service, there's insurance coverage in place rather than the client bearing the risk alone. It's a standard, reasonable request for any commercial vendor relationship.
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