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Upload your certificate of insurance

In this article: How to send your COI from a phone or a computer, and what file types work.

Your certificate of insurance — the ACORD form your insurance agent gives you. Here's how to send it.

  1. Open the link

    Tap the link in the email. The page opens in your browser; there's nothing to install.

  2. Pick the document type

    Choose the certificate of insurance option.

  3. Attach the certificate

    Attach the file. On a phone you can photograph the certificate directly; if you have the PDF from your agent, send that instead — it's clearer and gets read more accurately.

  4. Submit

    Submit. You'll see a confirmation. Nothing else is needed from you.

What files work

PDFs and photos both. A PDF from your insurance agent is best — it's what they email you when a policy renews.

If you're photographing it

  • Flat on a table, not held up.
  • Whole page in frame, including the dates.
  • Good light, no shadow across the page.
  • Straight on, not at an angle.

The dates and coverage amounts are read off the image automatically. A crooked photo in poor light gets read badly, and someone ends up ringing you about it — which is more work for both of you than taking the photo again.

Tip

Easiest option of all: email your insurance agent and ask them to send the certificate to whoever requested it. Agents do this constantly and can issue it correctly the first time.

Don't have a current one?

Ask your insurance agent for a certificate of insurance. It's free, it's routine, and they'll usually turn it round the same day. If you need to name the company as a certificate holder or additional insured, tell your agent that when you ask — it's a different request.

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