Name and address matter.
Use the exact certificate holder name and address from the contract, lease, or lender request. Small naming mistakes can cause rework.
Guide
COI requests move faster when the contract details are ready.
A certificate of insurance is usually only as clean as the information sent with the request. Gather the holder, wording, deadline, and contract requirements before asking the agency to issue or revise proof.
Special language needs review.
Additional insured, waiver of subrogation, primary and noncontributory, or completed operations wording may require endorsement review before a certificate can be issued correctly.
Urgency should be stated clearly.
If proof is needed before a job starts, send the due date, delivery email, and any project details with the first request.
Request audit
Check the request before it leaves your desk.
Checking a box does not confirm that coverage or an endorsement exists. It only confirms that the request is complete enough for review.
A COI is evidence, not a policy change.
A certificate does not create coverage or endorsements that are not already supported by the policy and carrier approval. Send the contract language when special wording is requested.