Guide
What to Check on a Certificate of Insurance
By Keelstar Team · Updated June 1, 2026
The short answer
Check the expiration date, the coverage types and limits against your requirements, whether you're named as additional insured, and that the certificate holder is correct. A certificate that's current but under your required limit still fails your requirement.
Expiration date
The single most important field for monitoring. Note it and set a reminder ahead of it.
Coverage types and limits
Confirm each required coverage is present and meets your minimum limit. 'Has insurance' isn't the bar — 'meets our requirement' is.
Additional insured and certificate holder
Verify you're named correctly where your requirements call for it, and that the certificate holder details match your records.
Put this into a monitored workflow
COI Tracker handles this continuously — with reminders and an audit trail.