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what is a certificate of insurance and why do I need it in short a certificate of insurance or COI is to business insurance what an auto ID card is to auto insurance it is a proof of insurance for your business when you purchase an auto insurance policy you also receive a companion document the insurance card you keep this in your car to produce as proof of insurance in the event of an accident or a traffic stop likewise when you purchase an insurance policy you should also procure a certificate of insurance that you can use to prove the insured status of your business when entering into new contracts the most commonly used type of COI is the Accord 25 form and it contains all of the most pertinent details of your insurance policies on a standardized single page form it is important to note that this is just a proof of insurance a COI is simply intended to streamline access to the most important information in your policy including the type of coverage who it covers the effective date...