# Certificate of insurance (COI)

COI Journal, The COI Dictionary. Published by Forsured. Reference only, not legal or insurance advice.

Forms: ACORD 25

## Definition

A one-page summary of a contractor's insurance at the moment it was issued. In construction it is almost always the ACORD 25, the Certificate of Liability Insurance.

## On the certificate

Policy types, policy numbers, policy dates and limits, the producer (the broker who issued it), the insured and the certificate holder. A description box carries notes such as project names and additional insured wording.

## What to check

That every coverage your project requires is listed, the limits meet the requirement, the dates run through the work, and the insured name matches the contract.

## The common gap

Treating the certificate as the coverage. The ACORD 25 says it is issued as a matter of information only and confers no rights on the certificate holder. Rights come from the policy and its endorsements.

## Related

- [Additional insured (AI)](https://coijournal.com/dictionary/additional-insured/index.md)
- [Notice of cancellation](https://coijournal.com/dictionary/notice-of-cancellation/index.md)

Source page: https://coijournal.com/dictionary/certificate-of-insurance/