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An official document that serves as proof of insurance to a third party, like a landlord or client, without revealing all of your policy details.

What is a Certificate of Insurance (COI)?

A Certificate of Insurance (COI) is an official document that serves as verified proof that you have an active insurance policy. If your full policy is the user manual, the COI is the official ID card. It provides a high-level summary of your coverage to a third party (like a client or landlord) without revealing sensitive details like your premium. It is the standard method for demonstrating financial responsibility before starting a project or signing a lease. A COI typically shows:

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A COI is a snapshot in time; it does not alter or expand your coverage. To get one, you typically contact your insurance broker or request it from your insurer’s online portal. This is a standard service that is almost always provided free of charge. While you can upload a COI to your Marble wallet for your records, it is not a substitute for your declarations page for earning rewards.

Important to Know

The need for a COI is common in many business and personal situations. For example, a freelance graphic designer might need to provide a COI to a new corporate client. A caterer will be asked for one by a wedding venue. A new tenant signing a commercial lease will be required to show one to the landlord. It is the standard way to prove you're prepared for unexpected accidents.

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