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Understanding and Updating Your Certificate of Insurance (COI)

A Certificate of Insurance (COI) is a document issued by an insurance company or broker that verifies the existence of an active insurance policy. It summarizes essential details such as:

  • Coverage limits
  • Policy type
  • Effective dates

A COI provides proof of insurance to third parties, such as clients, vendors, or landlords, ensuring compliance with contractual obligations.


How to Update Your Certificate of Insurance in PaymentWorks

If your customer requires an updated COI, you may receive a notification prompting you to provide the new document. Some PaymentWorks customers also send automated reminder emails to vendors, prompting them to log in and update their COI when it nears expiration.

Follow these steps to update your COI:

  1. Log into Your PaymentWorks Account

  2. Navigate to the Certificate of Insurance Section

    • Once logged in, go to the Company Profile section in the top-right corner of the dashboard.
    • Select the Compliance Documents tab from the left menu.
  3. Upload the Updated COI

    • Locate the section for Certificate of Insurance uploads.
    • Click “Upload” or “Replace Document” to add your updated certificate.
    • Ensure the file meets the format and size requirements (PDF or image format).
  4. Submit for Review

    • Once uploaded, click “Submit” to send the updated COI for your customer’s review and approval.

Important Notes

  • Customer Requirements:
    The specific requirements for your COI are determined by your customer. Contact them directly for clarification on what is required.

  • PaymentWorks Role:
    PaymentWorks facilitates the secure upload and transfer of your COI but does not dictate the requirements for the certificate.

  • Automated Reminders:
    Some customers use automated reminder emails to notify you when your COI is nearing expiration and needs to be updated.

  • Keep It Current:
    Maintaining an up-to-date COI helps ensure a smooth and compliant business relationship with your customer.