CoiLoop

Insurance Documents

Certificate Holder

Also known as: Insurance Certificate Holder, COI Holder

The party (usually the GC) that receives a COI for its records, which does not by itself grant any coverage.

The certificate holder is whoever is named in the lower-left box of an ACORD 25, typically the general contractor requesting proof of insurance. Being listed there means you receive the certificate and, on most forms, a notice if the policy is cancelled.

A common and costly misconception is that certificate holder status equals coverage. It does not. To actually be protected under a sub's policy, the GC must be named as an additional insured by endorsement, not merely listed as the certificate holder.

Track this on every subcontractor

CoiLoop collects COIs and W-9s through no-login links, uses AI to read each certificate and check limits, endorsements, and dates against your requirements, and warns you before anything expires.