In the fast-paced world of trucking, paperwork might not be glamorous, but it’s essential. One document that often gets overlooked until it’s urgently needed? Your Certificate of Insurance (COI).
At its core, a COI is proof that you’re covered. It includes key policy details (like liability limits, coverage types, and dates) so brokers, shippers, and clients know you’re insured. But it’s more than a formality; it can be the difference between landing a load or losing it.
When You’ll Be Asked for a COI
- Before booking freight with a new broker or shipper
- During compliance audits or inspections
- When leasing equipment or working with a factoring company
- After an accident, if another party wants verification of your coverage
Having fast, accurate access to your COI helps you avoid delays and shows that your operation runs professionally.
What to Watch For
Not all COIs are created the same. Here are a few things to double-check:
- Is the certificate holder listed correctly?
- Do the limits match what’s required for the job?
- Are additional insureds or endorsements properly included?
Carriers that stay ahead of these details build trust with partners and avoid rework or last-minute headaches.
Make COI Access Easy
If your current agent can’t offer on-demand access to your insurance documents, it may be time to make a switch. At Marquee Insurance Group, our clients get 24/7 access to certificates, policy documents, and support through our easy-to-use online portal—no waiting, no phone tag, no delays.
Whether you’re a one-truck operation or running a growing fleet, keeping your COIs updated and accessible helps protect your business and keeps your freight moving.
Related: Choosing the Right Fleet Insurance Agency for Maximum SavingsÂ
