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A certificate of insurance (COI) is like an auto ID card for business insurance, providing proof of coverage. Just as you keep an insurance card in your car, you should also have a COI for your business to show proof of insurance when entering contracts. The most common type is the Accord 25 form, which summarizes key details of your policy on a single page. It is important to understand that a COI is not the actual policy, but rather a convenient way to access important information such as coverage type, insured parties, and effective date.
