In order to get a certificate of liability insurance, you must buy a general liability insurance policy. After the policy is issued, your certificate of liability insurance will be available online.
General liability insurance, also known as commercial general liability insurance or
business liability insurance, is an essential professional liability coverage for your business. It helps cover claims that your business caused bodily injury or property damage to someone else’s belongings. It can also help cover personal injury, libel and slander claims against your company.
There are a number of reasons why small business owners may need a certificate of liability insurance, such as requirements from:
- A client: Before a client agrees to work with your business, they’ll want to make sure you have the right type of insurance coverages to complete the project in case there’s a claim.
- Your landlord: If you rent space for your business, your landlord may want to make sure you have professional liability insurance to help cover claims related to your business.
- Professional licenses you need: Certain professionals, like real estate agents, have to carry general liability insurance.
Getting a general liability insurance certificate from The Hartford won’t cost you anything extra. But, you’ll first need to get general liability insurance coverage. Insurance agents or our specialists can work with you to determine your specific
general liability insurance cost.
When you get a general liability insurance policy, you’ll also get a
certificate of insurance (COI) automatically as proof of insurance. If a company required another copy of your certificate, you have two different ways to get one:
- Request a certificate of general liability insurance through your agent.
- Visit our online portal, My Account, to request certificates of insurance. We process most requests instantly.
