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Common COI Deficiencies

Learn common Certificate of Insurance problems and how to ask vendors or brokers to correct them.

Upload a COI Read the guide

Common COI Deficiencies

Learn common Certificate of Insurance problems and how to ask vendors or brokers to correct them.

How to use this resource

  1. Choose the relevant guide, checklist, or template.
  2. Review the document-level requirements.
  3. Upload the vendor COI.
  4. Get a PASS / FAIL / NEEDS REVIEW report.
  5. Send a correction email if something is missing.

Disclaimer

These resources provide practical document-review information. They do not provide legal advice, insurance advice, or confirmation that coverage is active.

Guides in this section

COI General Liability Limit Too Low

Learn what this COI deficiency means, why it matters, and what to ask the vendor or broker to correct.

COI Missing Additional Insured

Learn what this COI deficiency means, why it matters, and what to ask the vendor or broker to correct.

COI Missing Waiver of Subrogation

Learn what this COI deficiency means, why it matters, and what to ask the vendor or broker to correct.

COI Missing Workers’ Compensation

Learn what this COI deficiency means, why it matters, and what to ask the vendor or broker to correct.

Expired COI

Learn what this COI deficiency means, why it matters, and what to ask the vendor or broker to correct.

Vendor Name Does Not Match COI

Learn what this COI deficiency means, why it matters, and what to ask the vendor or broker to correct.

Wrong Certificate Holder on COI

Learn what this COI deficiency means, why it matters, and what to ask the vendor or broker to correct.