What Clean COI Issuance Looks Like Day to Day
In a clean COI operation, certificates are issued within two hours of request for standard accounts, with no owner involvement and no back-and-forth with the carrier for routine issuances. Most agencies take one to three days. This page covers what clean COI issuance actually looks like day to day.
What clean COI issuance looks like day to day
Request received and triaged immediately. Every COI request is logged as an activity in the AMS the moment it arrives and assigned to the next available account manager with COI authority.
Coverage verified against current policy. Before issuing, the account manager confirms that the coverage requested matches the current policy and that certificate holder language is accurate.
Certificate issued and delivered. The certificate is emailed to the client and certificate holder. The issuance is logged in the AMS with a record of who requested it, what was issued, and when.
What makes the difference
COI authority distributed across the team. In agencies where only one person can issue certificates, every COI request is a single point of failure.
Standard certificate templates by account type. Most contractors, landlords, and commercial tenants have the same COI requirements for 80 percent of their requests.
Frequently asked questions
How fast should a COI be issued?
Two hours is the standard for same-day requests on standard accounts with clean AMS records. Any turnaround longer than one business day for a routine certificate is a signal that the workflow has friction that can be removed.
What is the most common COI mistake in small agencies?
Issuing a certificate that does not match the current policy. Every COI should be verified against the current policy record before issuance.
For the full back office framework: What a Clean P&C Back Office Actually Looks Like Day to Day
Talk to COVU about running a clean COI operation for your agency
Based on COVU’s operational experience managing service operations across 50+ agencies and $200M+ in premium.