What a certificate is
A certificate of insurance (COI) is a one-page summary showing your carriers, policy numbers, limits, and effective dates. It is evidence that coverage exists on the date issued. It does not change your policy or grant anyone rights under it.
Additional insured status
When a client asks to be named as an additional insured, they want your general liability policy to defend and pay claims against them that arise from your work. This requires an endorsement to your policy, not just a line on the certificate.
Blanket additional insured endorsements cover anyone you agree to in a written contract and avoid a new endorsement for every job.
Waivers of subrogation and primary wording
A waiver of subrogation prevents your carrier from recovering from the client after paying a claim. Primary and non-contributory wording says your policy pays first before the client’s. Both are common in construction and property management contracts and usually carry a small premium charge.
Read contracts before you sign
Insurance requirements in contracts often exceed what a standard policy provides. Send the insurance section to your agent before signing so limits and endorsements can be adjusted, or the language negotiated, before you are in breach.
Key takeaways
- A COI proves coverage exists; it does not extend it.
- Additional insured status requires an endorsement on your policy.
- Send contract insurance clauses to your agent before signing.
This guide is general education, not advice for your situation. Coverage, availability, and requirements vary by state and carrier. A licensed agent can confirm what applies to you.