Coverage limits Each Occurrence vs. General Aggregate: COI Limits Explained Each Occurrence and General Aggregate are two different commercial general liability limits. The Each Occurrence limit is the maximum applicable limit for a single covered occurrence, subject to the policy terms. The General Aggregate is a separate maximum that may apply across multiple covered losses … Read more
COI fundamentals Certificate Holder vs. Additional Insured: What Contractors Need to Know A certificate holder receives evidence of insurance. An additional insured may receive limited protection under another party’s policy when the policy language or an endorsement grants that status. One party can be both, but the two roles are not interchangeable. By COI Workbench … Read more
Agent request workflow How to Request a Certificate of Insurance From Your Agent A useful COI request gives the issuing agent the current written requirement, exact business entities, project details, deadline, and requested supporting documents in one organized message. By COI Workbench Editorial Team · Reviewed October 2026 · General U.S. guidance Do not create … Read more