Request Your Certificate of Insurance

When you need proof of coverage for a landlord, general contractor, or business client, Covered By Us makes it simple. Submit your request online and get your certificate quickly.

By Connor, CEO of Covered By Us

Request My Certificate Call 909-278-7053

Fast turnaround — most requests processed within 24-48 hours
No extra cost — included as part of your coverage
Multiple formats available — tailored to your client's requirements

A Certificate of Insurance (COI) is a one-page document that proves you have active insurance coverage. If you're a business owner, contractor, or rental property investor, you've probably been asked to provide one to a general contractor hiring you, a landlord renting to you, or a client requiring proof that you're properly insured. It's a straightforward request, but getting the right document to the right person on time matters.

At Covered By Us, requesting a certificate is simple. Whether you need it emailed to you, sent directly to a third party, or formatted for a specific requirement, we handle the details and get it done quickly. Most requests are processed within 24-48 hours, and we'll confirm receipt once it's been delivered. If you're unsure what specific coverage or amounts to request, our team can guide you — we know what contractors, landlords, and business partners typically need to see.

Certificates are included with your policy at no extra charge, and you can request as many as you need throughout your policy year. Whether you're bidding on a new job, renting a property, or signing a vendor agreement, a COI is quick to obtain and costs nothing beyond your regular coverage.

Who Requests Certificates of Insurance

Many different business and personal situations require proof of coverage. Here are the most common scenarios:

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Contractors and Tradespeople

General contractors, electricians, plumbers, and other trades frequently require subcontractors to provide COIs before hiring them. If you're a trades business working for GCs or property managers, certificates are a routine part of winning jobs. Requesting them ahead of time ensures you can respond quickly when a potential client asks.

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Business Owners and Vendors

If you run a business that provides services or goods to other companies, many clients and partners will require a certificate before engaging you. This protects them by confirming you carry liability insurance and reduces their risk of working with an uninsured vendor. E-commerce sellers, consultants, and service providers often have multiple standing COI requests.

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Landlords and Property Investors

If you're renting out a property or condo, some tenants, property managers, or mortgage lenders may request a certificate showing your property insurance. This confirms your coverage and protects both you and the tenant. Investor-owned units sometimes require COIs at lease signing or renewal.

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HOA Board Members and Property Managers

If you're managing a rental property within an HOA, the association or property manager may request a certificate as part of their compliance process. HOAs want confirmation that unit owners carrying proper insurance, and a COI satisfies that requirement quickly.

What You Can Request

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Certificate to Third Party

Request that we email the certificate directly to your landlord, contractor, client, or any third party. Provide us with their email address and we'll handle delivery. This is the fastest option and confirms the recipient got the document. Most certificates reach the third party within 24 hours.

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Certificate for Your Records

Request a certificate emailed to you for your own files. This is useful if you need it for your records, want to attach it to an agreement, or prefer to deliver it yourself. You'll receive it via email and can print or forward it as needed.

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Certificate with Additional Insured

Some clients require to be listed as an 'additional insured' on your certificate, meaning they're recognized as a party with an interest in your coverage. If your client specifically requests this, let us know and we'll confirm whether it's available under your policy. Additional insured status often requires a policy endorsement.

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Certificate for Specific Coverage Types

If your client requires proof of specific coverages — general liability, property damage, workers' compensation, or other endorsements — specify which and we'll ensure the certificate clearly shows those coverages and their limits. We'll confirm your policy includes the requested coverage before issuing the certificate.

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Rush Certificate Request

If you need a certificate within a few hours rather than 24-48, contact our office directly at 909-278-7053. We often can expedite requests for existing clients, though same-day delivery may require phone contact depending on timing and complexity.

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Certificate Renewal or Reissue

If you've already requested a certificate and need an updated version — perhaps your policy renewed, coverage changed, or the original has expired — simply submit a new request. We'll issue a fresh certificate reflecting your current coverage and expiration date.

How to Request Your Certificate

Requesting a certificate takes just a few minutes. Here's the process:

Gather Your Information

Have your policy number handy. If you're sending the certificate to a third party, collect their email address. If your client has specific requirements — particular coverage limits, additional insured status, or other details — note those too. The more information you provide, the fewer back-and-forth questions we'll need to ask.

Submit Your Request Online

Fill out the certificate request form on this page with your policy information and details about what you need. Specify whether the certificate should go to you or be emailed directly to a third party. If you have any special requirements or questions, include a note in the message field. Submit the form and we'll confirm receipt immediately.

We Verify Your Coverage

Our team reviews your request against your active policy to confirm coverage and limits. If your request includes specific endorsements or additional insured status, we verify those are in place. If we spot any issues — for example, requested coverage isn't on your policy — we'll contact you by phone or email before proceeding, rather than issuing an incomplete certificate.

Certificate Is Issued and Delivered

Once verified, we generate your certificate of insurance and deliver it. If you requested it sent to a third party, we email it to them directly and will notify you that it's been sent. If it's for your own records, we email it to you. You'll receive a confirmation once the certificate has been delivered.

Follow Up If Needed

If your third party doesn't receive the certificate, or if they follow up with questions or need modifications, let us know. We can resend, troubleshoot delivery issues, or answer questions about your coverage. Our goal is making sure both you and your client have what they need with no delays or confusion.

Good to Know

Understanding a few practical points about certificates makes the request process smoother:

Processing Time and Planning Ahead

Most certificates are ready within 24-48 business hours. If you know you'll need one — for example, you've bid on a job or are about to sign a rental agreement — submit the request early rather than waiting until the last minute. If you need one urgently, call 909-278-7053 and speak with our team; same-day delivery is sometimes possible for existing clients.

What Information to Have Ready

To request a certificate, you'll need your policy number and the name and email (if sending to a third party) or your email (if requesting for yourself). If your client has specific coverage requirements or wants to be listed as additional insured, note that too. The more detail you provide upfront, the faster we can issue the certificate correctly.

Your Certificate Shows Current Coverage

A certificate reflects your active coverage as of the date it's issued. If your policy has lapsed, you've made changes, or coverage is pending renewal, the certificate will reflect that status. Make sure your coverage is current and paid before requesting; if coverage lapses, we can't issue a valid certificate. Contact us immediately if your policy is due for renewal.

Third Parties May Ask Questions

When you send a certificate to a landlord, contractor, or client, they may follow up with questions about coverage limits, specific endorsements, or what's covered. If they ask anything you can't answer, forward their question to us and we'll clarify. Our job is making sure your client has accurate information about your coverage.

Certificate Basics and Timeline

A Certificate of Insurance is a standardized one-page form (ACORD Form 25) that shows your policy number, carrier name, coverage types, coverage limits, policy effective and expiration dates, and contact information for your insurance agent or carrier. It's a factual snapshot of your insurance at the time it's issued — not a complex legal document, just proof that you're insured. Certificates expire when your policy expires, which is why you may need to request updated ones if your policy renews or if you change carriers.

California doesn't have special requirements for certificates beyond the standard ACORD format used nationwide. However, landlords, general contractors, and business clients sometimes have specific requests: they may want certificates showing certain coverage limits, requesting additional insured status, or specifying endorsements. If your client's request seems unusual or includes requirements you don't understand, ask us before committing to terms you can't meet — we can tell you whether your policy supports what's being asked.

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Standard Processing: 24-48 Business Hours

Most certificate requests are processed and delivered within one business day. If you submit on a Friday afternoon, processing happens Monday. If you need something urgently, call 909-278-7053 and ask about expedited handling.

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Certificates Are Valid Until Your Policy Expires

A certificate issued today is good through the expiration date shown on your policy. If your policy renews or is non-renewed, you'll need a fresh certificate showing the new expiration date. Plan ahead: request updated certificates as your renewal date approaches, rather than waiting until the last minute.

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No Cost — Included With Your Coverage

Requesting certificates is included with your policy at no charge. You can request as many as you need throughout your policy year. There's no per-certificate fee or special charge — it's part of the service we provide to existing clients.

What to Have Ready

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Certificate of Insurance Terms

These terms will help you navigate certificate requests and understand what information appears on your certificate:

Certificate of Insurance (COI): A one-page document proving you carry active insurance coverage. It shows your policy number, carrier, coverage types, limits, effective and expiration dates, and your agent's contact information. It's not a policy itself, just a summary of your coverage used by landlords, contractors, and clients to confirm you're insured.
ACORD Form 25: The standardized certificate of insurance form used throughout the insurance industry in the United States. ACORD stands for Association for Cooperative Operations Research and Development. Most certificate requests use this format because it's recognized and accepted universally.
Additional Insured: A party (often a landlord, general contractor, or business partner) added to your insurance policy as someone with an interest in your coverage. If they're listed as additional insured, they may be covered under your liability insurance if a claim arises. This usually requires a policy endorsement and must be approved by your insurance company.
Policy Expiration Date: The date your insurance coverage ends. Certificates show this date; once your policy expires, any certificate issued under that policy is no longer valid. If your policy renews, you need a new certificate showing the new expiration date.
Coverage Limits: The maximum amount your insurance will pay for a claim under each coverage type. For example, a $300,000 general liability limit means the carrier will pay up to $300,000 for a single liability claim. Certificates clearly show these limits so your client knows the level of protection you carry.
Endorsement: An addition or modification to your insurance policy that changes or extends coverage. Common endorsements include additional insured status or coverage for specific activities. If a client requests coverage via an endorsement you don't currently have, we'll let you know before issuing the certificate.

Why Covered By Us for Certificate Requests

We're an independent agency based right here in Pomona, and we handle certificate requests as a core part of serving our business and contractor clients. Because we know our clients' policies inside and out, we can verify your request against your actual coverage immediately, spot any issues before they delay the certificate, and make sure what we issue is exactly what your client needs. We don't route your request through an automated system and hope it works — we have people here who understand your coverage and can answer questions if your third party follows up asking about limits, endorsements, or specific coverage types.

When you request a certificate through Covered By Us, you get quick turnaround, accuracy, and a real person you can call if something goes wrong or if your client has questions. We're committed to making this simple part of your business run smoothly. Call 909-278-7053 if you have questions about a request, or use the form below to submit one online. We'll get your certificate to you or your client quickly and confirm delivery so you know it went through.

Frequently Asked Questions

How quickly can I get a certificate of insurance?

Most requests are processed and delivered within 24-48 business hours. If you submit during business hours, we often process it same day. If you need one urgently — within a few hours — call 909-278-7053 and speak with our team; we can sometimes expedite requests for existing clients, though timing depends on complexity and how quickly we can verify your coverage.

Is there a charge for requesting a certificate?

No. Certificates of insurance are included with your policy at no extra cost. You can request as many as you need throughout your policy year without additional fees. It's part of the service we provide to existing clients.

Can I have the certificate sent directly to my landlord or client?

Yes. Provide their email address when you submit your request and we'll email the certificate directly to them. We'll notify you once it's been delivered, so you know they received it. This is often the fastest and most convenient option.

What if my client asks for me to be listed as 'additional insured'?

Additional insured status is sometimes available, but it requires a policy endorsement that must be approved by your insurance company in advance. It's not automatically on every policy. When you submit your request, note that your client wants additional insured status and we'll check whether your policy supports it. If it does, we can include it on the certificate. If it doesn't, we'll let you know what steps are needed to add it.

Can I request a certificate if my policy is about to expire or renew?

If your policy is currently active, we can issue a certificate. However, it will be valid only through your current expiration date. If your policy renews soon, it's often best to wait until after renewal and request a certificate showing your new expiration date. If you're not sure about your renewal timing, ask us when you submit your request and we'll advise on the best timing.

What information appears on a certificate of insurance?

A standard certificate shows your policy number, insurance carrier name, coverage types (general liability, property, etc.), coverage limits, policy effective date, policy expiration date, and contact information for your insurance agent. It's a one-page summary of your active coverage, not a full policy. If your client has questions about what's covered or excluded, they should contact us — the certificate is just proof that coverage exists.

What if my third party doesn't receive the certificate email?

Contact us and we'll resend it or troubleshoot the delivery. Large organizations sometimes have spam filters that catch emails, or the recipient's email address may have been mistyped. We'll work with you to confirm it reaches them. If they still don't receive it, we can print and fax a copy if they have a fax number.

Can I request a certificate for coverage I no longer have?

A certificate reflects your active coverage as of the date issued. If you've cancelled a coverage type or your policy has lapsed, we can't issue a certificate for coverage that's no longer in effect. If you need proof of past coverage, that's a different request and we can help — let us know the dates and details and we'll discuss what's possible.

Coverage that keeps you secure

Reliable protection for everyday life.

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Home Insurance

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Protect your house, belongings, and liability against fire, theft, and California-specific risks — with your options explained clearly.

Auto Insurance

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Coverage for accidents, liability, and vehicle damage. We shop multiple carriers so your rate fits how you actually drive.

Renters Insurance

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Protection for your belongings and liability in any rented apartment, house, or condo — often for just a few dollars a month.

Motorcycle Insurance

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Coverage built for riders, from daily commuters to weekend cruisers — including options for gear and custom parts.

RV Insurance

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Protection for motorhomes and travel trailers, on the road and parked — coverage that follows every mile.

Umbrella Insurance

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An extra layer of liability protection above your home and auto policies, shielding your savings and future income.

Coverage Built for Contractors and Trades

Support that keeps your work moving.

General Liability Insurance

Core protection for third-party injury and property damage claims. Supports contracts, job requirements, and everyday business risk.

Workers Compensation

Protects injured employees and keeps you compliant with California requirements — essential for nearly every employer in the state.

Commercial Auto Insurance

Coverage for work trucks, vans, and fleets — protecting your drivers, your vehicles, and the business behind them.

Contractor Insurance

Coverage built for trades and service professionals across Southern California — tools, equipment, and jobsite liability.

Cyber Liability Insurance

Helps your business respond and recover when data is breached — from customer notification to system restoration.

Commercial Property Insurance

Protects your building, equipment, and inventory against fire, theft, and covered damage — so one loss never stops the business.

Submit Your Certificate Request

We'll process your request within 24-48 hours and confirm delivery.

Request Your Certificate Today

Use the form below to submit your certificate request online, or call 909-278-7053 if you have questions.

Request My Certificate Prefer to talk it through? Call 909-278-7053

Visit Our Office

981 Corporate Center Dr Ste 150, Pomona, CA 91723