Proof of coverage
A certificate of insurance is how you show clients, brokerages, and lenders that your coverage is active. Here’s what it includes and how to get yours.
A certificate of insurance (COI) is a document that summarizes your active coverage — typically the type of coverage, the carrier, the policy period, and the limits — for a client, real estate brokerage, lender, or property management company that wants proof of coverage before working with you.
A COI is not the policy itself and doesn’t modify or expand your coverage; it’s a summary document confirming that a policy is in force at the time it’s issued.
Real estate brokerages, property management companies, and some lenders commonly ask inspectors to show proof of both Professional Liability / E&O and General Liability before referring clients or approving vendor status. Since inspectors typically carry both coverages for different reasons — see our Professional Liability / E&O page and General Liability page — a COI often needs to reflect both on one document.
Once you’re bound with coverage through us, we can help you get a certificate of insurance to whoever needs it — a client, brokerage, lender, or property manager. If you need a COI issued to a specific additional insured or with particular language, let your agent know what’s being requested so it can be prepared correctly.
A COI is a summary document showing that you have active insurance coverage — including the type of coverage, carrier, policy period, and limits. It confirms coverage is in force; it doesn’t itself provide or expand coverage.
Real estate brokerages, property management companies, lenders, and sometimes individual clients commonly request a certificate before referring business to an inspector or approving vendor status.
Often, yes — many requesting parties want to see both. See our Professional Liability / E&O page and General Liability page for how the two coverages work together.
In some cases, yes, depending on the coverage and carrier. Let your agent know exactly what’s being requested so the certificate reflects it correctly.
Once you’re bound, we can typically help get a certificate issued quickly. Reach out to your agent with who needs it and any specific requirements.
Property Inspector Insurance connects you with licensed agents who build your custom quote — typically back the same business day, subject to underwriting.
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