Certificates of insurance
Need proof of coverage for a client, landlord or lender? Send your request in a couple of minutes — liability or property — and we'll issue it fast, usually the same day.
What a certificate does
A certificate of insurance (COI) is a one-page snapshot that proves you carry specific coverage. It summarizes your policies for a third party; it doesn't change your policy.
Proof of coverage
Lists your policies, limits and effective dates so a client, landlord or lender can confirm you're insured.
Liability or property
Liability certificates (ACORD 25) cover GL, auto, umbrella and work comp. Property certificates (ACORD 27/28) evidence building and contents.
Special wording
Contracts often require additional insured, waiver of subrogation or primary and non-contributory language. Tell us and we'll confirm what your policy allows.
Send your certificate request
Choose a type and add the details the contract requires. Fields marked * are required.
- Usually issued the same day
- Sent to you, the holder or both
- No charge for certificates
Have the contract's insurance requirements? Email them to info@firstunderwriters.com so we can match the wording exactly.
From request to certificate
You submit
Send the details above — it takes about two minutes.
We review
We confirm your coverage supports any required wording.
We issue
We prepare the ACORD certificate, usually the same day.
It's delivered
Emailed to you, the holder or both — your choice.
Certificate questions
What is a certificate of insurance?
A COI is a one-page summary that proves you carry specific coverage. It lists your policies, limits, effective dates and any special wording a third party requires, but it does not amend your policy.
How fast can I get a certificate?
Standard certificates are often issued the same day, and typically within one business day. Requests that need additional insured status or special wording may take a little longer if an endorsement is required.
What's the difference between a liability and a property certificate?
A liability certificate (ACORD 25) evidences general liability, auto, umbrella and workers' compensation. A property certificate (ACORD 27 or 28) evidences building, business personal property and related coverage, and is often required by a lender or landlord.
Can you add an additional insured or waiver of subrogation?
Yes, when your policy allows it. Additional insured, waiver of subrogation and primary and non-contributory wording depend on your policy forms and endorsements. Tell us what the contract requires and we'll confirm what can be issued.
Is there a charge for a certificate?
Certificates are provided as part of servicing your account at no additional charge. If a contract requires a specific endorsement to be added to your policy, any carrier premium for that endorsement would apply.
Need it today?
Rush request or tricky contract wording? Call us and we'll get your certificate sorted.