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Expired COI

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

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Expired COI

What this means

The policy expiration date has passed or the certificate is too close to expiration for your requirements.

This can delay vendor approval, project start, tenant move-in, or contractor onboarding.

Why it matters

A Certificate of Insurance is usually reviewed before a vendor starts work. If required information is missing, expired, unclear, or below the required limit, the document may need to be corrected before approval.

What to check

Review:

  • Named Insured
  • Policy dates
  • Coverage row
  • Policy limits
  • Certificate Holder
  • Description of Operations
  • Additional Insured indicators
  • Waiver of Subrogation indicators
  • Authorized representative signature

Sample correction email

Subject: Updated COI Required

Hi [Vendor Name],

Please send an updated Certificate of Insurance showing current active policy dates.

Thank you.

Faster option

Upload the COI and generate a complete deficiency report with a vendor correction email.

Disclaimer

This page provides document-review information only. It does not provide legal advice, insurance advice, or confirmation that coverage is active.