Certificates of insurance, explained

Landlords and clients often ask for one before they will sign. Here is what it actually is.

By the InsuranU team Updated July 20263 min read

A certificate of insurance is simply proof that your coverage exists, in a standard format others can quickly verify.

What it includes

Most insurers or brokers can issue a certificate quickly, often within a day, once your policy is active.

Compare matched options in a few minutes. It is free and there is no obligation.

More from the business insurance checklist.

Lining up insurance before you need it.

Legal and contractual requirements to know.

See the real ranges, with a live estimator.

Does a certificate cost extra?

Usually not, it is typically a free service from your insurer or broker.

How often do I need a new one?

Whenever a client or landlord requests updated proof, or when your policy renews.

Tell us about your business and your life. We will match you with quotes built around U.