What is the certificate issuing process?

A Certificate of Insurance (COI) serves as proof of insurance coverage. It details the policy's type and coverage limits, the insurer's name, and the policy's validity period. Third parties often require a COI to confirm that insurance is active. Importantly, the COI does not alter the insurance policy's terms and is provided independently of the policy document.

Insurance agents are responsible for issuing certificates of insurance (COI). COIs should match the policy and cannot be used to change policy terms. In most cases, once coverage is confirmed, the binder and policy documents are uploaded and available in Pathpoint for download.

Can agents issue our own COI?

• You can issue your own COIs, but the certificate can't alter the policy's coverage. If you're unsure about the wording, please contact us.

How do I issue a COI?

• Once a policy has been bound and the policy has been issued, you can find the policy document and relevant information in Pathpoint.

  1. Navigate to the policy in your Pathpoint account. You will find the binder and policy documents uploaded, along with the quote letter and subjectivities.

  2. You can download the policy document to find the policy number, carrier name and address, limits, effective dates, etc.

  3. Complete the ACORD 25 COI (click to download)

How can I confirm I’ve completed the COI correctly?

• Make sure to include the carrier's name, address, and NAIC code (click here to locate). You can find the carrier's information typically on the policy form.

• If you’re unsure about the wording, please contact your Account Manager.

How will I be notified if my insured's policy is being canceled?

Who is the broker of record? Does Pathpoint appear on the policy?

How do I make a change on a bound policy?