Frequently Asked Questions

Who teaches my clients how to use the site?
EzCOI is intuitive and easy to use. Anyone who has ever used the Internet, checked their email or viewed a Facebook page can easily use EzCOI. Click here to view a simple user guide that walks your Insureds through their first COI request.

Who will teach me or my staff how to use it?
EzCOI is much easier to use than the typical agency management system or insurance company website. Learning how to use EzCOI is simple and intuitive so you can easily teach yourself, but you don’t have to take our word for it. Try EzCOI Free For 10 Days!

Do I have to make all my certificates available on the service?
No. You can place as few or as many Insureds as you like on EzCOI. You can also add or remove Named Insureds as often as you like. Once you use it, we think you'll make all COIs for your Insureds available on EzCOI.

Can I use EzCOI to complete a Certificate for an Insured myself?
Yes. Just use the "Deliver COI" feature in your Agent account. You can also designate an email address for the Insured (and their Certificate Holder) for instant delivery in one, easy step.

Is there a limit to the number of clients that can use the service?
There is no limit, and no minimum. You can provide access to as many, or as few, of your clients as you like.

Can I use this service for my Condominium unit owners who need COIs?
No. EzCOI is built for commercial liability Certificates where the Named Insured is individually invited to use the service by their Agent. Condominium Certificates of Insurance are typically requested by 3rd parties—not the Named Insured. EOI Direct (www.eoidirect.com) is a service that handles Certificates of Insurance for condominium associations throughout the country, and is built with the customizations required for condominium Certificates of Insurance. EzCOI is a joint venture with EOI Direct.

What certificates are available to the Named Insured on EzCOI?
Liability COIs represented on the Agent's Acord Form 25, and needed by the Named Insured for a 3rd party. It’s especially useful for Certificate dependent Insureds like Contractors, Trucking Companies, Program Business, Consultants, Entertainment Brokers, Property Managers, and more. Agents may also use the "Overflow Page" to reflect additional endorsements or information that will not fit on the Acord 25 form. The Acord 25 is accompanied by the Overflow Page if the Agent utilizes this feature through EzCOI.

What endorsements can be indicated on COIs accessed on EzCOI?
Additional Insured status and Waiver of Subrogation can be indicated on the COI. If either is selected, EzCOI notifies the Agent of a pending COI request that requires review. Once the Certificate is reviewed and approved by the Agent (or modified so it can be approved as required by the Agent), the COI is emailed to your Insured. Agents have complete control over ALL Certificates emailed to their Insureds. Additional information and/or endorsements may also be reflected on the Overflow Page by the Agent.

What if the certificate holder requires special language in the Description/Special Items section of the COI form?
Your Insured may request language in the description field of the Acord 25 using EzCOI; these modified Certificates are not issued immediately. EzCOI notifies the Agent of a pending COI request that requires review. Once the Certificate is reviewed and approved by the Agent (or modified so it can be approved as required by the Agent), the COI is emailed to your Insured. Agents have complete control over ALL Certificates emailed to their Insureds. Additional information and/or endorsements may also be reflected on the Overflow Page by the Agent.

How is the COI delivered?
All COIs are emailed to the Insured (and the Certificate Holder when designated) as an Adobe PDF file. All Certificates are also archived for the Agent and Insured for web viewing/printing in their EzCOI account.

Can COIs be faxed or mailed?
EzCOI delivers by email and web view only. Once the Insured receives the file by email, it can easily be printed, faxed, and/or mailed to the Certificate Holder. The Agent also maintains a copy of the COI in their account that can be faxed or mailed by the Agent.

Is there a limit on COI deliveries?
There is no limit to the number of Insureds or the number of COIs. It is all covered by the same, low monthly rate of $39.99 paid by the Agent.

Do I have to input the policy for my Named Insured into EzCOI?
Yes. You only have to do this once to satisfy all future COI requests for all of your Insured's Certificate Holders. After that, you just need to update the renewal dates or policy changes impacting your Insured so they can continue getting easy and fast access to Certificates of Insurance. The "Clone" feature, in the Agent’s account, allows the Agent to easily duplicate Certificate templates for Named Insureds to make preloading policies easier and faster.

Will I be able to see which COIs have been delivered?
Yes. Every COI delivered to your Insured will be saved and available for you to access at any time. Your Insureds can also reprint previously issued COIs whenever they like. There are preview features in the Agent’s edit screens that show what the Certificate will look like as well.

How will I update expiring COIs?
Just log into your EzCOI account, select "Manage Certificates", edit the Named Insured, and save it. Easy. Fast. Done. You can also designate an email reminder to be sent to you in advance of any coverage expiration.

How do my Insureds gain access to their COIs?
On initial setup by the Agent, the Agent invites their Insured to register on EzCOI using the "Welcome Email" feature that appears when a Named Insured is added by the Agent. The Insured is able to create their own login with the security token embedded in the Welcome Email they receive from the Agent; this security token is what links the Insured to the policy that the Agent controls. The Insured uses their own User ID and Password to log in to request new COIs and renewals when updates are provided by the Agent. (The Agent can add, edit or remove access for any Insured through the Agent’s "Preferences" feature at any time).

How secure is the access to my COIs?
COIs can only be accessed by individuals with a valid User ID and password. Only the licensed Agent can make changes affecting the policy. Agents control the access given to their chosen Insureds and can change or remove access at any time.

Will the certificate holders also have access to the COIs?
No. The service is only designed for Agents and the Named Insureds of the Agent’s choosing. However, the Agent and the Insured can utilize the carbon copy feature to e-mail Agent-approved Certificates of Insurance to multiple parties (including the Certificate Holder).

Is there any cost to my Insureds?
EzCOI is a free, unlimited service for your clients. The Agent pays a flat $39.99 per month for unlimited use. There are no sign up fees, and no long-term contracts to sign. You can cancel any time.

What if I want to cancel the service?
Agents can cancel the service at any time by selecting "Profile & Settings" in their "Control Center", and selecting the cancellation option where payment information can be changed. Cancellation will result in the cessation of any future monthly billings. There are no cancellation fees or refunds of charges already paid. Each month’s service fees are fully earned.