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Certificates of Insurance

If you are affiliated with VT and need to produce evidence of VT’s insurance, please contact the Office of Risk Management or click the button below to request a COI.

What is a Certificate of Insurance (COI)? A COI provides evidence that an organization has insurance. Here is a sample COI for a basic contract or event that meets VT's minimum requirements.

Any third party on VT’s campus should provide a COI demonstrating that they carry insurance, and that their insurance will respond in the event of a loss. No matter what kind of vendor you’re considering, working with a vendor that has insurance will help protect you and the VT community. Information on VT's insurance requirements can be found on our Contract Risk Management page.

Certificates of Insurance ARE:

  • evidence of insurance
  • Reflection of coverage at the time of issue
  • For informational purposes only

Certificates of Insurance ARE NOT:

  • an insurance policy
  • a place to modify insurance
  • a contract
  • legally binding 

How do I read a COI?

If you work for Virginia Tech and are looking at a COI from a third party and wondering if it meets VT's requirements, here's some things to look for.

  1. Correct contractor listed on the left.
  2. Date in upper right hand corner current.
  3. VT (Risk Management) listed as Certificate Holder at bottom left.
  4. Additional Insured in description box should read: “Virginia Polytechnic Institute and State University and the Commonwealth of Virginia, its officers, officials, employees, agents, and volunteers are listed as additional insureds.”
  5. The Additional Insured box in the General Liability row should read “Y.”
  6. Insurance types and limits as required in the contract. For a standard contract, this will be general liability (the first row), auto liability (the second row) and workers’ compensation (the third row). The auto requirement can be removed if the third party does not have any business autos, and the workers’ compensation requirement can be removed if they have no employees.
  7. The limits for each row should correspond to the requirements for the event.
  8. If applicable, the event date should be between the policy start dates and end dates.