A certificate summarizes coverage; it does not create it
A COI summarizes policy information but does not replace the policy or automatically grant rights requested in a contract. Additional insured, waiver or special wording may require insurer-approved endorsements.
Send the full certificate request
Provide the certificate holder’s legal name and address, required limits, job or load reference, endorsement wording and deadline. Sending only a broker name often creates unnecessary back-and-forth.
Allow time for endorsement review
A certificate can only reflect coverage that exists. Requests for additional insured status, waiver of subrogation or other contract language may need underwriting or insurer approval before the certificate can be completed.
Keep recurring certificate requests organized
Fleets and owner-operators that work with multiple brokers or shippers should maintain a clear list of recurring holders, contract requirements and policy changes to reduce errors.
Information to provide
- Named insured / policyholder name
- Certificate holder name and complete address
- Required liability, cargo or other limits
- Additional insured or waiver wording, if requested
- Contract, broker or load reference and deadline
A COI cannot override the policy
A certificate is evidence of policy information. It cannot add coverage, alter exclusions or guarantee a contractual right that the policy and approved endorsements do not provide.
Send the holder details and exact requirements.
Include the requested deadline and any contract language so the request can be reviewed against the policy.