Who needs certificate of liability insurance and how to get it?

Certificate of liability insurance (COI) is often needed to provide proof that the individual or business has liability insurance coverage. Here are the qualifying policy types:

  • Artisan & Service contractor policies
  • Business owner policies
  • Commercial auto policies
  • Commercial liability umbrella policies (CLUP)
  • Workers’ compensation policies

Among the common groups where a COI is needed:

  • Business owner
  • Organization’s business partner
  • Corporate officer
  • Executor/Administrator
  • Member
  • Sole proprietor
  • Trustee

To create a certificate of liability insurance (COI) from State Farm, follow these steps:

  1. Select the link found on the Small Business landing page or within your My Accounts page.
  2. Once you enter your phone number and date of birth, click continue.
  3. Next determine what type of certificate is needed by qualifying policy type and common group.
  4. You’ll receive a one-time verification code. Enter it and click “verify”.
  5. Following successful validation, policy number and policy type are displayed. Indicate who will receive the certificate and click “continue”.
  6. Confirm certificate holder information is correct and click on “Create certificate”.
  7. Download a PDF of the certificate of liability insurance.