Certificates of Insurance
A certificate of insurance is a one-page summary that one business hands to another to show what coverage it carries. These pages explain what the summary does and does not prove, then give you tools for the work around it: reading a certificate, checking it against the limits a contract requires, writing the requirements letter in the first place, and keeping track of expiry dates. Certificate files you open here are read inside your browser and never uploaded. Nothing on these pages is legal or insurance advice, and CoverMath does not sell insurance or refer you to anyone who does.
Tools in this group
- ACORD 25 Form Checker — Choose your certificate PDF, check what was read, type the limits your contract asks for and see which lines match, fall short, are missing or expire soon. The file stays on your device.
- Additional Insured Endorsement — Paste the insurance wording from your contract. The page shows how it asks for additional insured status and what to look for on the endorsement itself.
- Certificate Holder vs Additional Insured — Paste the insurance paragraph from your contract to see whether it asks for a certificate holder, additional insured status, or both, and what each one means.
- Certificate of Insurance Sample — Click any part of this sample certificate to see what it means and what to check. The people, companies and numbers are invented for the example.
- Certificate of Insurance Template — Fill in who needs the certificate and what it must show. The page writes the request email to send to your agent or broker.
- Certificate of Liability Insurance — Look up any term on a certificate of liability insurance and read what it shows, what it cannot prove and what to ask the agent for next.
- COI Expiration Calendar — List each vendor with the date their insurance expires. Download a calendar file that reminds you 30, 14 and 7 days ahead, or a CSV for a spreadsheet.
- How to Read a Certificate of Insurance — Work through the certificate in the order a reviewer would: tick each step, see what it tells you and what it cannot, then print the checklist.
- Primary and Noncontributory — Paste the insurance paragraph from your contract to see whether it asks for primary and noncontributory coverage, and what that wording means.
- Subcontractor Insurance Requirements Letter Generator — Choose the coverages, limits and endorsements you want from a subcontractor or vendor. The page writes a requirements letter or exhibit you can print, save as PDF or copy.
- Waiver of Subrogation — Paste the insurance paragraph from your contract to see whether it asks for a waiver of subrogation, and read what that request means in plain language.
- What Is a Certificate of Insurance? — Look up any term you see on a certificate of insurance and read what the document is, what it shows and what it cannot change.