A certificate holder is an individual or organization that is named as a recipient of a Certificate of Insurance (COI). The COI is a document issued by an insurance company that verifies an insured party's coverage and provides essential information such as coverage amounts, effective dates, and policy limits. Certificate holders may be stakeholders such as clients, vendors, financiers, or landlords who require proof that the insured party carries adequate insurance coverage that meets the requirements established in a contract or agreement.