Small Business Insurance

Plain-language guides to the coverage Canadian small businesses actually need, from general liability to professional liability, broken down by industry.

What Is a Certificate of Insurance (COI)?

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A certificate of insurance (COI) is a one-page document issued by your insurer or broker that proves your business is insured. It summarizes your active coverages, policy limits, expiry date, and other key details, so clients, landlords, and partners can confirm you're covered before they agree to work with you.