Insurance & Compliance

Certificate of Insurance (COI)

Also known as: COI, ACORD certificate

Definition

A certificate of insurance (COI) is a one-page document from your insurer that proves you carry an active insurance policy and summarizes its coverage and limits. Commercial landlords almost always require a COI, naming them as additional insured, before a tenant can move in.

A certificate of insurance, or COI, is the proof that you actually carry the insurance your lease requires. It is a short, standardized form (often an ACORD certificate) from your insurer that lists your coverage types, limits, policy dates, and who is named as additional insured.

Why it matters when you lease space

Nearly every commercial landlord requires a COI before handing over keys. It protects them if something goes wrong at your unit, and it confirms your general liability coverage meets their minimum limits. No valid COI usually means no move-in.

How to get one for your WareSpace lease

It is simpler than it sounds. Ask your business insurer for a COI that names WareSpace (the property manager) as certificate holder and additional insured, at the limits in your lease. Most carriers issue it within a day, at no extra cost. We tell you exactly what is needed, so getting your COI is a quick step, not a roadblock. Book a tour or get an instant quote to start the process.

Frequently asked questions

How do I get a certificate of insurance?
Contact your business insurance provider or agent and request a COI, listing your landlord or property manager as the certificate holder and additional insured. Insurers usually issue it within a day or two at no extra charge.
Why do landlords require a certificate of insurance?
A COI proves the tenant carries valid liability coverage, so the landlord is not exposed if there is an injury, fire, or property damage at the space. It is a standard condition of nearly every commercial lease before move-in.

Last updated June 24, 2026

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