If you’re a business owner in Sacramento—or anywhere in California—you’ve likely heard the term Certificate of Insurance, or COI. Whether you’re bidding on a job, signing a lease, or partnering with a vendor, there’s a good chance someone will request this document before doing business with you.
But how much does a Certificate of Insurance actually cost?
The Short Answer: It’s Usually Free
Yes, you read that right. In most cases, a Certificate of Insurance comes at no additional cost. When you purchase a business insurance policy, your insurance provider or broker will usually issue a COI at your request—free of charge.
At Eugene C. Yates Insurance Agency, we provide COIs to our business clients quickly and efficiently, helping you meet contract requirements without extra fees or delays.
What Is a COI and Why Do You Need One?
A COI is a standardized document that proves you carry valid insurance coverage. It includes key information such as:
- Your business name and address
- Insurance carrier details
- Types of coverage (e.g., general liability, workers’ comp, commercial auto)
- Policy limits
- Effective and expiration dates
- Additional insureds (if applicable)
Clients, landlords, and vendors often request COIs before they’ll work with you. It’s their way of confirming you have the coverage needed to protect both parties.
When Could a COI Cost Money?
While COIs are typically free, there are a few rare situations where fees might apply:
- Rush processing – If you need a same-day certificate and your provider charges for expedited service.
- Custom wording or endorsements – If the certificate requires non-standard language or endorsements.
- Third-party platforms – If you’re using a COI tracking service or digital certificate portal, those may charge service fees (not your insurer).
At Eugene C. Yates Insurance Agency, we keep it simple. Our team provides fast, reliable COIs at no cost for our commercial clients. If your policy is active, we’ll get your certificate issued—often within the same business day.
Need a Certificate of Insurance in Sacramento?
If you’re looking for affordable and dependable business insurance, we’re your local experts. With access to top national carriers and over 75 years of experience in the Sacramento area, we’ll tailor a policy to your exact needs—and deliver the COIs you need to keep business moving.
📞 Call us today or request a quote online and see why we’re Sacramento’s trusted name in business insurance.