INSIGHTS
Notes on the paperwork
For general contractors, office managers, and anyone who has stared at a stack of certificates and wondered what they were really looking at.
These posts are intended to help you read the documents in front of you more confidently. They are not insurance advice, legal advice, or compliance determinations — those calls belong with your licensed insurance agent and your attorney.
Additional Insured vs. Certificate Holder: What’s the Real Difference?
Certificate Holder and Additional Insured aren’t the same thing. Here’s what each one actually means on a COI, and what to check before filing it away.
Why every COI tracking tool is built for a different size of company
Enterprise COI tools are built for property managers. Small-GC tools barely exist. Here’s why the gap is real — and what it means if you’re somewhere in the middle.
The 9 things on a COI that actually matter (and the ones you can skip)
An ACORD 25 has dozens of fields. Most of them don’t matter for day-to-day COI review. Here are the nine that do — and the ones you can safely skip.