Certificate of Insurance

Learn about Certificates of Insurance (COI)

What is a COI?

A COI is a document issued by an insurance company/broker that is used to verify the existence of insurance coverage under specific conditions granted to listed individuals. More specifically, the document lists the effective date of the policy, the type of insurance coverage purchased, and the types and dollar amount of applicable liability.

A certificate is only good for the insurance policy effective and expiration dates shown on the certificate.  The certificate is issued as a matter of information only and confers no rights upon the certificate holder.  This certificate does not amend, extend or alter the coverage afforded by the policies.

Incoming COIs (submitted by contractors to UD)

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Outgoing COIs (submitted by UD to outside entities)

In some instances, UD is required to provide evidence of their insurance coverage to outside entities that the University is working with.  This evidence is known as an “outgoing COI.” For COI requests, UD staff should complete and submit a electronic request form or download a hard copy and forward it to the EHS/RM. Refer to the FMI tab.

To assist EHS/RM with accurately processing the COIs, please forward any contracts or agreements made between UD and the external entity to EHS/RM.  Also ask the entity to provide any specific insurance requirements that should be reflected on the COI.  Mail this information to: EHS/RM, Zip 2904.    

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What is the Processing Time for a COI?

COIs are processed externally, and it can take up to seven business days to process, based upon complexities associated with the COI.  Therefore, the University community is advised to forward any requests for a COI to EHSRM as early as possible.  

Once the request is processed, EHSRM will send an electronic copy of the COI to the UD staff person who has requested the certificate. The UD staff person is then responsible for forwarding the certificate directly to the agency who has requested this document. This procedure allows the UD staff person to keep a copy of the document for their records and to verify the receipt of the email sent to the agency.