COI guides
A clearer understanding of every certificate.
Practical guides to the limits, endorsements, and renewal questions that come across your desk.
10 guides found
Managing January 1 COI Renewals
How to prepare for the January 1 commercial insurance renewal wave, schedule 30-day reminders in December, and prevent vendor payment holds in January.
Updated 2026-10-19Read guideHow to Read an ACORD 25 Certificate of Insurance
A box-by-box guide to reading an ACORD 25 certificate of insurance, from producer details and policy limits to additional insured and subrogation flags.
Updated 2026-10-19Read guideAdditional Insured vs Certificate Holder on an ACORD 25
Understand the difference between being listed as the certificate holder in the bottom-left box of an ACORD 25 and being named as an additional insured.
Updated 2026-10-19Read guideCG 20 10 and CG 20 37 Additional Insured Endorsements
Learn how ISO CG 20 10 ongoing operations and CG 20 37 completed operations endorsements work and why the endorsement pages should accompany the ACORD 25.
Updated 2026-10-19Read guideWaiver of Subrogation on a Certificate of Insurance Explained
What a waiver of subrogation means in vendor contracts, how to check the SUBR WVD column on an ACORD 25, and which endorsement forms back the checkbox.
Updated 2026-10-19Read guideEach Occurrence vs Aggregate General Liability Limits
How General Liability Each Occurrence, General Aggregate, and Products-Completed Operations Aggregate limits work on an ACORD 25 certificate of insurance.
Updated 2026-10-19Read guideUmbrella and Excess Liability on a Certificate of Insurance
How active occurrence-form umbrella and excess liability policies stack on top of General Liability, Auto Liability, and Employers Liability limits.
Updated 2026-10-19Read guideVendor Insurance Requirements by Trade and Risk Tier
Standard insurance limits and endorsement benchmarks for commercial general contractors, property maintenance vendors, and low-risk service providers.
Updated 2026-10-19Read guideHow to Request a Certificate of Insurance from a Vendor
Step-by-step instructions and email templates for requesting an ACORD 25 certificate of insurance and endorsement pages from a vendor or insurance broker.
Updated 2026-10-19Read guideIs a Certificate of Insurance Proof of Coverage?
What the ACORD 25 informational header states, why a certificate alone does not amend a policy, and which endorsement pages to collect alongside it.
Updated 2026-10-19Read guideBring a little clarity to your workday.
Collect the paperwork, see what needs attention, and keep the next step moving.