Business insurance
Certificate of insurance
A one-page document proving you carry an active policy, with coverage types, limits, and dates. Clients and landlords often require one.
A certificate of insurance is a one-page summary proving a policy exists, with its limits and dates. It documents coverage without itself granting anyone rights under the policy.
Regulators, landlords, and clients ask for a certificate to confirm you carry the coverage they require. To actually extend coverage to another party, you need an additional insured endorsement, not just a certificate.
Related terms
Where this comes up
Certificate of insurance is one piece of getting and keeping a business licensed. We handle the filings, bonds, and renewals that surround it across every state where you operate.