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Rob Freeman explains how to verify a certificate of insurance (COI). A COI serves as proof of insurance coverage for companies or individuals. To verify one, first, ensure it is on a standard form called an ACORD 25. This form includes key information such as the names of the insurance carrier(s) and broker, the types of insurance coverage, limits of insurance, and policy expiration dates. Additionally, it's essential to check if the certificate holder is listed as an additional insured, as this provides further protection. Overall, careful examination of these details is crucial in verifying the legitimacy of a COI.