150,000+ small businesses protected since 1997
15 minutes to a free quote
20% savings on premiumsScroll below to learn more
4.9 out of 5 Customer RatingRead reviews...
A Certificate of Liability Insurance (also called an Insurance Certificate, a Certificate of Insurance, and Proof of Insurance) is a one-page summary of the important information included in a business insurance policy. Information in a typical Certificate of Liability Insurance includes…
Certificates of Liability Insurance are useful because they allow contractors, freelancers, and small-business owners to demonstrate proof of insurance and share coverage information with clients through a single-page document rather than an entire insurance policy.
Take a look at this sample Certificate of Liability Insurance [PDF] to see what a typical cert looks like.
When a business contract requires you to show proof of insurance, you need to have a Certificate of Liability Insurance. But you don’t get this certificate by purchasing it directly. Instead, you receive a certificate after buying an insurance policy.
When you buy insurance through Tech Insurance, you can get a Certificate of Insurance for any of the following policies:
If you already have insurance, getting a certificate should be easy. Current Tech Insurance customers can request a certificate by completing our Certificate of Insurance Request Form, which lets you print your certificate immediately.
If you don't yet have business insurance, you can secure proof of insurance when you purchase a policy. Start the process of getting coverage and a Certificate of Liability Insurance right now by filling out an online insurance application.
Certificates of Liability Insurance can be used to demonstrate proof of coverage, which is often a key step in securing a new contract.
For example: Imagine you're about to close a contract with a new client. You'll be installing new sales software on their computers and overhauling a slow, outdated network. However, the contract requires you to have a Certificate of Liability Insurance that shows you have $1 million in Errors and Omissions Insurance before they’ll sign any paperwork.
If you already have an E&O policy with a $1 million limit, you can request a Certificate of Insurance from your provider. If you don’t yet have insurance that meets these requirements, you can typically secure a new policy and certificate in as little as 24 hours.
Packaged Coverage at Discount Rate
- with The Business Owner's PolicyLearn More
A client may ask you to provide a Certificate of Liability Insurance for a number of reasons, including…
Insurance certificates simplify the process of signing contracts. They provide a quick way for businesses to exchange important information about their coverage in an easy-to-read document they can keep on file.
IT project managers often hire independent contractors and subcontractors. Project managers must make sure that every party has proper insurance coverage and complies with the terms of their employment contract.
If you're leading an IT project, you will likely have to do one of the following…
(Note: adding an additional insured doesn't mean that they are fully covered by your policy. Instead, it means that your insurance will cover some of their liabilities.)
Most Certificates of Liability Insurance include a disclaimer that notes that the document is meant for informational purposes only and cannot be used to collect actual insurance benefits. This legal distinction means little in practice; if you have an insurance policy and a Certificate of Insurance for that policy, you should have no problem collecting benefits when you need them.