Certificates of Insurance

Overview

Certificates of Insurance (COIs) provide proof of coverage to third parties such as clients, lenders, or landlords. LAMS generates certificates in the ACORD 27 format, which is the industry standard recognized nationwide.

Types of Certificates

Type	When to use
Standard Certificate	Proof of coverage for a single product line
ACORD 27	Industry-standard certificate for any third-party requirement
Global Certificate	Single certificate covering multiple product lines on the same policy group

Generating a Certificate

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Certificate generation screen showing certificate type selector, certificate holder name and address fields, and a preview of the completed ACORD 27 form

Certificate generation screen showing certificate type selector, certificate holder name and address fields, and a preview of the completed ACORD 27 form

1. Open the active policy in Policy Search.
2. Navigate to the Certificates tab.
3. Click New Certificate.
4. Select the certificate type.
5. Enter the certificate holder details:
   • Name
   • Address
   • Relationship to insured (if applicable)
6. Review the certificate preview — verify that coverage details, limits, and dates are correct.
7. Click Generate Certificate.
8. Click Download to save the PDF or Email to send it directly.

Tip

Save frequently used certificate holders — many insureds request certificates for the same clients repeatedly. Saved holders appear in the dropdown when generating future certificates for the same policy.

Global Certificates

A global certificate covers multiple product lines in a single document. To generate one:

1. The insured must have active policies for the relevant product lines.
2. Navigate to Certificates on any of the linked policies.
3. Select Global Certificate as the type.
4. LAMS validates that all required product lines have active coverage before generating.

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Global certificate generation screen showing linked policies for multiple product lines with coverage details for each

Global certificate generation screen showing linked policies for multiple product lines with coverage details for each

Certificate Requirements by Product Line

Some product lines have specific certificate requirements. LAMS validates these automatically before allowing a certificate to be generated — if a requirement is not met, you will see an error message explaining what needs to be resolved first.