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Insureds dont have the authority to issue their own certificates. The agent, under contract with the carrier, issues a COI on behalf of the insurer.
Note: If you purchased your insurance through a broker you will need to request your certificate of insurance from your broker. If you purchased your insurance direct from us, you can request your COI through State Fund Online.
As such, you only have the power to obtain a COI from your agent or broker and submit it. You are not authorized to create or certify one.
How much does a certificate of insurance cost? A certificate of insurance is free. Much like a receipt, the document is proof that the policyholder paid for the policy and has insurance.
Without a COI, a company or contractor will have difficulty securing clients because they will likely not want to assume the risk of any costs that might be caused by the contractor or provider.
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How Do I Generate a Certificate of Insurance? Contact Your Insurance Provider. Identify the Certificate Holder. Determine the Coverage Requirements. Generate the Certificate of Insurance. Provide the Certificate of Insurance to the Certificate Holder.
In addition to coverage levels, the certificate includes the policyholders name, mailing address, and describes the operations that the insured performs. The address of the issuing insurance company is listed, along with contact information for the insurance agent or the insurance agencys contact person.

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