06/15/2026
🏢 So... When Do You Actually NEED a COI?
More often than you think! Here are the most common situations where someone is going to ask you for a Certificate of Insurance:
🔑 Renting a commercial space — Your landlord wants to know you're covered before you move in.
📝 Signing a vendor or service contract — Many clients won't sign until they verify your coverage.
🎪 Working at events or trade shows — Venues require proof of liability insurance before you set up.
💼 Freelancers and consultants — Your clients may require it before you start a project.
🏗️ Contractors and subcontractors — General contractors require COIs from every sub they bring on.
🏥 Healthcare and professional services — Licensing boards and partner organizations often require them.
Here's the thing — not having a COI ready when someone asks can cost you the deal. It can delay a contract, cancel a gig, or even get you removed from a job site.
At Have Insurance Now, our clients never scramble for this. We keep everything organized so you can send your COI the same day it's requested. We work with 30+ top carriers, which means we find coverage that fits YOUR situation — not a generic policy.
💬 Comment "COI" below or DM us and let's make sure you're set up and ready before you need it.
📱 We're available Mon–Fri, 8AM–10PM
🌐 www.haveinsurancenow.com
