Question 1

How do I get a certificate of insurance?

Accepted Answer

If you are already insured through Rosella, log into your account and request a COI directly. It will be issued in under two minutes. If you are not yet insured, you need to have a policy bound before a certificate can be issued. Only the insurance carrier or an authorized broker can issue a COI.

Question 2

Is there a cost to get a certificate of insurance?

Accepted Answer

No. Issuing a certificate of insurance is a standard service included with your policy. There is no additional charge for requesting a COI, adding a certificate holder, or issuing multiple certificates for different contracts or projects.

Question 3

How long does it take to get a certificate of insurance?

Accepted Answer

Through Rosella, under two minutes once your policy is bound. At most traditional brokerages, the process takes anywhere from a few hours to several business days depending on the request volume and staffing.

Question 4

Can I request a COI for someone else's policy?

Accepted Answer

No. Only the named insured, their broker, or an authorized representative can request a certificate of insurance. If you need proof of coverage from a vendor, contractor, or subcontractor you are hiring, you request it from them directly.

Question 5

What is the difference between a COI and an insurance binder?

Accepted Answer

A binder is temporary proof of insurance issued while a policy is being underwritten and finalized. A COI is issued once the policy is bound and active, and it serves as the ongoing proof of coverage for the life of the policy. Binders typically have a short validity window, often 30 to 60 days.