Instant Certificate of Insurance Delivery
Your workers' comp certificate is generated and emailed the same day you purchase your policy. Unlimited COIs, multiple delivery methods, direct delivery to your GC — all at no extra charge.
Understanding the ACORD 25 Form
A Certificate of Insurance (COI) is a one-page summary document — standardized as ACORD Form 25 — that provides evidence of your insurance coverage. It does not modify the underlying policy; it simply summarizes its key terms for a third party.
For contractors, the COI is the most requested document in the industry. GCs, property owners, licensing boards, and project managers all rely on it to verify you're covered before you start work.
A COI is not the policy itself. It cannot be used to make a claim. Its sole purpose is to prove to third parties that an insurance policy exists and is active. The underlying policy document is what governs claims.
What's on an ACORD 25 Certificate
What's on Your WC Certificate
Workers' comp certificates display specific data points that differ from general liability COIs.
Additional Insured Endorsements
When your GC needs more than a certificate — they need to be named on your policy.
What 'Additional Insured' Means
An additional insured (AI) endorsement extends certain policy protections to a third party — typically the general contractor. It goes beyond just listing them as a certificate holder.
When It's Required
GCs on larger commercial or government projects often require AI status, not just a COI. This is especially common in NY, NJ, CA, and FL on jobs over $500K in contract value.
Who Can Be Named
Any party with an insurable interest may be named as additional insured: GCs, property owners, developers, school districts, municipalities, or JV partners.
How to Request
Contact us with the AI's full legal name and address. We'll issue an endorsement and update your certificate within the same business day in most cases.
When GCs Require Updated Certificates
Four common scenarios where your GC will ask for a fresh COI.
New Job Start
Every new project often requires a fresh certificate showing coverage is active for the job period. GCs collect certs before they allow subs on site.
Annual Policy Renewal
When your policy renews, your old certificate shows a lapsed date. Any GC holding your expired cert will request an updated COI showing the new policy term.
Coverage Limit Changes
If the GC requires higher employer's liability limits than your current policy, they'll require a new COI after you upgrade your limits.
Change of Certificate Holder
If you begin working for a new GC mid-policy, they need their own certificate with their name as holder. We issue additional COIs at no extra charge.
Electronic vs. Paper Certificate Delivery
We offer four delivery methods — all free, all instant or near-instant.
Email PDF
Instant delivery to any email address. Standard for all certificates. You can forward directly to your GC or we can CC them automatically.
Download Portal
Log into your account and download your certificate at any time, day or night. Reprint as many times as needed.
Direct to Certificate Holder
We email your COI directly to your GC's email address simultaneously with your delivery. No forwarding required.
Fax Delivery
For GCs or clients that still prefer fax, we can send to any fax number. Less common but fully supported.
How Our Automated System Works
Request to delivery in minutes — no manual processing, no waiting for business hours.
Request Submitted
You or your GC submits a certificate request through our portal, by email, or by calling 844-967-5247.
Policy Verified
Our system verifies your active policy, coverage dates, limits, and any endorsements required by the requesting party.
Certificate Generated
An ACORD 25 form is auto-populated with your policy data and the certificate holder's information.
Delivered Instantly
The PDF certificate is emailed to you and, optionally, directly to the certificate holder or additional insured. Usually within minutes.
Certificate Holder vs. Additional Insured
Two different levels of protection — and what each one means for your GC.
“My GC needed my COI by end of day or I would lose the contract. Ghost Workers Comp had it in my inbox in under 2 hours. Saved the job.”
“I can't believe how easy it was. I got my certificate within the same morning I applied. The GC was shocked it came through so fast.”
“I require all my subs to send COIs before they step on site. These guys deliver same-day — which means my subs never delay my schedule.”
Certificate of Insurance FAQ
Everything you need to know about getting and using your COI.
Get Your COI Within Hours
Apply now, pay securely online, and receive your ACORD 25 certificate by email — the same day, every time.