Certificates

Certificate of insurance (COI)

Proof of insurance when you need it, in the format your partners expect. Generate unlimited COIs from your dashboard — no calls, no waiting, no extra fees.

What a COI is and why you need one

A certificate of insurance is a one-page summary that proves you have coverage. It doesn't give away your full policy — it shows the basics: what's covered, how much, and until when.

You'll need a COI for almost every business relationship. Landlords require one before signing a lease. HOAs require one before approving a rental. Franchise groups require one during compliance audits. Municipalities require one for licensing. If you manage properties professionally, you're going to need a lot of COIs.

Lease agreements
HOA approvals
Business licenses
Client onboarding

How to get a COI with Velaris

Three steps. No phone calls. No broker delays.

Request a COI

Log in to your Velaris dashboard and select the property or portfolio that needs a certificate.

Add additional insureds

Name the certificate holder and any additional insureds — landlords, HOAs, municipalities, or franchise groups.

Download or share

Your COI is generated immediately. Download it as a PDF or share a link directly with the requesting party.

What's on a certificate of insurance

Every COI contains the same standard fields. Here's what each one means.

Named insured

Your company name and legal entity.

Policy number

The specific policy covering the property or portfolio.

Coverage type

General liability, property damage, or both.

Coverage limits

Per-occurrence and aggregate limits for each coverage type.

Effective dates

When the policy starts and when it expires.

Additional insureds

Any third parties listed on the certificate, such as landlords or HOAs.

Certificate holder

The person or entity requesting the COI.

Insurer information

The name and AM Best rating of the carrier backing the policy.

Additional insureds and endorsements

Many contracts require you to list a third party as an "additional insured" on your policy. This gives them certain protections under your coverage — and it's a standard requirement in property management.

Common additional insureds
  • Property owners and landlords
  • Homeowner associations (HOAs)
  • Franchise groups
  • Municipal governments
  • Lenders and mortgage companies
How it works with Velaris
  • Add additional insureds directly from your dashboard
  • No separate endorsement request needed
  • No extra fees — included with your policy
  • Changes reflected on your COI immediately
  • Multiple additional insureds per property supported

Why Velaris COIs are different

With a traditional broker, getting a COI means sending an email, waiting a few days, and hoping the details are right. With Velaris, it takes about 30 seconds.

Generated in minutes
No waiting for your broker to get around to it. Request a COI and download it immediately from your dashboard.
Unlimited certificates
Need 50 COIs for 50 different landlords? No problem. There's no limit and no per-certificate fee.
Additional insureds included
Add landlords, HOAs, franchise groups, or municipal entities as additional insureds at no extra cost.
Always accurate
Every COI pulls directly from your active policy data. No outdated limits, no expired dates, no manual errors.

Frequently asked questions

What is a certificate of insurance?

A certificate of insurance (COI) is a document that proves you have active insurance coverage. It summarizes your policy details — coverage types, limits, effective dates, and the carrier backing your policy — without sharing the full policy document.

When do I need a COI?

You'll need a COI whenever a third party requires proof of insurance. Common situations include signing a lease or management agreement, onboarding with an HOA, applying for a business license, or responding to a franchise compliance audit.

What is an additional insured?

An additional insured is a person or entity added to your policy who receives certain protections under your coverage. Common additional insureds include property owners, landlords, HOAs, and franchise groups. Adding additional insureds to your Velaris policy is free.

How long does it take to get a COI from Velaris?

COIs are generated immediately from your dashboard. You can download a PDF or share a link. If you need to add an additional insured or endorsement, that's handled at the same time — no separate request needed.

Does a COI cost extra?

No. COIs are included with your Velaris coverage at no additional cost. You can generate as many as you need for as many properties or certificate holders as you have.

Need a certificate of insurance?

Generate unlimited COIs from your Velaris dashboard — no calls, no delays, no extra cost.

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