No, a COI and a declaration page are not the same. A declaration page, commonly known as a “dec page,” is a section found at the beginning of your insurance policy. It outlines key details such as policyholder information, coverage limits, deductibles, and premium amounts. In contrast, certificates of insurance (COIs) provide a summarized proof of coverage, typically shared with third parties to demonstrate insurance status. In a declaration page, you might find: COIs are more condensed, and contain information about: COIs are specifically crafted for insurance verification purposes. They are designed to provide hiring parties with essential information, without including extraneous details such as the amount a policyholder pays in monthly premiums. This ensures that the COIs offer precisely what is needed for verification without unnecessary clutter. For example,If you’re pulled over, you wouldn’t give the officer a copy of your declaration page to prove you have an active auto policy. The same goes for third-party partnerships. When determining whether you’ll work with a vendor, you would verify each other’s insured status using COIs. To send a copy of yours, request it from your insurer, who should provide one for free.Is a Certificate of Insurance the Same as a Declaration Page?
