What Is A COI Request Form And When Do I Need One?
Asking a vendor for proof of insurance is a routine part of managing work, but it can feel uncomfortable when you’re trying to get the wording right. A Certificate of Insurance (COI) request form helps you open the conversation with confidence. It lets you lay out the coverage details you expect. Open communication about COIs ensures everyone begins the work with the right expectations, especially when insurance certificate requests, policy verification, and insurance documentation feel overwhelming.
In this blog, we’ll walk through what a COI request form includes, when to ask for one, and how illumend, powered by myCOI, empowers you to request COIs from vendors easily and confidently.
What Is a COI Request Form?
A Certificate of Insurance (COI) request form asks a vendor, contractor, or service provider to share their COI. It takes the guesswork out of the process by laying out what you need and providing the vendor a simple checklist to follow. You’re no longer chasing missing documents or sorting out incomplete COIs. The insurance request form sets clear expectations so your vendor can send the right insurance details from the start.
What Is the Purpose of the COI?
A Certificate of Insurance removes uncertainty and empowers you to take confident steps forward. It:
- Gives you confidence that your vendor or contractor has the right COI vs liability insurance coverage they need for the work.
- Shows the key coverage types involved in most jobs, including commercial general liability, workers’ compensation, auto liability, and umbrella/excess liability insurance.
- Provides business insurance policy information, such as coverage type, amount, and effective and expiration dates.
- Protects your business against any financial risk that would otherwise rest on you, like third-party insurance issues or bodily injury claims.
- Helps you stay aligned with the coverage requirements tied to the work.
- Supports a more open, trusting working relationship.
When Would I Need a COI
Knowing when to ask for proof of insurance is stressful and overwhelming. But in certain situations, how to ask for a COI is simply part of doing business. You’ll need one for:
- Signing new client contracts
- Working with your vendors or service partners
- Starting engagements with enterprise or government teams
- Leasing equipment, event venues, or office space
- Meeting the insurance expectations set by your business partners, investors, or stakeholders
What Happens If You Don't Request a COI Before Work Starts?
Skipping the COI before your work starts leaves you vulnerable and exposed to insurance liabilities. Mishaps without an active insurance policy shift the financial burden to your company rather than to the vendor’s insurance. Requesting COIs early gives your project a kickstart. This step prevents unnecessary confusion and helps everyone know their responsibilities.
When Should You Ask for a Certificate of Insurance?
COI requests matter whenever a vendor’s work introduces real risk to your business. This includes routine maintenance on your property, equipment, or vehicles that could cause damage. It also applies to jobs in rented or shared spaces where you must document the coverage. And for projects shaped by contracts or regulations, you’ll want to confirm any specific insurance requirements upfront.
Quick COI reviews through platforms like illumend give you confidence and support smoother decision-making. Taking a moment to ask for the COI protects your team and shows you’re approaching the work with care, clarity, and steady communication.
Rule of thumb: Ask for a COI whenever you want to avoid paying for others’ mistakes.
How Do You Know What Coverage Limits to Ask For?
Coverage should match the kind of work you’re bringing in and the risks it comes with. Knowing how to read a certificate of insurance helps you align coverage with the scope of the work. Some jobs carry less risk. Others come with more risk. Electrical jobs, roofing, or anything related to heavy equipment require more coverage to match the risks involved.
Most teams work with about $1 million per claim and $2 million in total as general liability insurance. The claim amount is significant, but it’s a common number across the industry. They provide both you and the vendor with real protection, making it easier to move ahead without worry.
What Information Should You Include in Your COI Request?
The COI request letter:
- Lists the coverage types and minimum policy limits needed for the job.
- Includes your business name and address as the certificate holder.
- Describes the project, location, and the dates the insurance should cover.
- Calls out any required endorsements, such as adding your company as additional insured.
- Explains where the vendor should send the certificate and when you need it, so the project starts on schedule.
What If a Vendor Pushes Back or Delays Providing Their COI?
Vendors don’t always send their COI right away. Sometimes their insurance provider or insurance agent is slow to issue it. Other times, they fail to realize why you’re asking for it in the first place.
Explaining how the COI protects both sides moves the process forward. If the vendor needs more time, check in and ask whether they’ve requested the document from the insurance company and when they expect to receive it. For higher-risk work or tighter schedules, begin the project once you receive the COI.
How Can illumend Make Requesting COIs Less Awkward?
Requesting a COI can feel confusing, especially when you want to avoid coming across as demanding and distrustful. Lumie™ removes this friction by acting as the clarity layer between human confusion and insurance complexity.
illumend takes the pressure off by handling the back-and-forth with vendors and removing the challenge of getting the wording right. The platform tracks, verifies, and manages your COIs, giving you a clear view of what’s missing and what needs follow-up. Vendors get simple guidance. You get peace of mind. And everyone starts with the same expectations. Reach out today to schedule your demo!