Is there a charge to issue a COI?

No. KTL does not charge to issue certificates of insurance for existing clients — it's part of your account service.

Can you send the COI directly to the certificate holder?

Yes. Let us know the recipient's email and we can send the certificate directly, or copy you on the delivery.

COI Requests

Certificate of Insurance (COI) Requests

A certificate of insurance (COI) is a one-page document that proves your coverage is active. Hospital systems, Medicaid programs, private-pay clients, franchisors, and referral networks routinely require a COI — often with specific additional insured, primary & non-contributory, and waiver-of-subrogation language. KTL issues standard COIs the same business day.

✓Standard COIs: same business day
✓Complex COIs (AI + waiver + P&NC): typically within 1 business day
✓Direct handling by a dedicated account manager
✓No portal delays or ticketing systems

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Since 2002

20+ Years

Dozens of Top-Rated Carriers

Independent

Same-Day COIs

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Licensed in Most U.S. States

Nationwide

What information we need to issue a COI

To issue a certificate quickly, send us:

•Certificate holder's full name & address
•Exact additional insured wording (if required)
•Whether primary & non-contributory language is required
•Whether a waiver of subrogation is required
•Any specific limit or endorsement requirements

How to request a COI from KTL

Existing KTL clients can request a COI three ways: email your account manager directly, call 858-350-0555, or reply to your most recent renewal thread. For urgent requests before 2pm PT, we can usually turn a standard COI in under 2 hours.

New clients — request a quote first

If you're not yet a KTL client but need a COI on a new policy, request a quote and let us know your COI deadline. We can bind coverage and issue a certificate in as little as 24 hours for straightforward home care programs.

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Get a benchmarked quote from multiple A-rated carriers within one business day.

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Frequently asked questions

Standard COIs are issued same-day. Complex certificates with additional insureds and specific endorsement language are typically ready within one business day.

Ready for a real quote?

Tell us about your business and we'll benchmark you against multiple A-rated carriers. Most quotes come back within one business day.

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