COI Diploma case studies
COI Diploma · Put your knowledge to work in context.
The COI Diploma is a professional credential for people who issue, review, or rely on certificates of insurance - agency account managers and CSR staff, compliance and risk-transfer analysts in construction and facilities, contract administrators, and underwriters who field certificate questions daily. It tests whether you can read a certificate and the underlying policy together and explain what is and is not actually being evidenced. The COI Diploma case studies are 5 cases and about 4,026 words.
1Trading Premium for Retention: Northline Mechanical's Renewal Decision
Northline Mechanical is a 38-van HVAC and plumbing contractor with 31 million in revenue, split roughly 60/40 between service work and new-construction installations. At renewal the broker presents a combined general liability and commercial auto premium of 212,000, up from 178,000.
637 words, about 3 min2Two Aggregates, One Policy: Meridian Concrete's Eroding Capacity
Meridian Concrete & Excavating holds an occurrence-form CGL policy running 07/01/2024 to 07/01/2025 with limits of 1,000,000 each occurrence, 2,000,000 general aggregate, 2,000,000 products-completed operations aggregate, and 5,000 medical expense. On 03/15/2025 the risk manager for Halstead Logistics, owner of a distribution center under construction, calls the broker.
828 words, about 4 min3The Overnight Riser: Vanguard Drywall's Multi-Item Claim
Vanguard Drywall & Acoustics is a subcontractor on a 40-unit apartment project, contracted at 1.9 million, insured under an occurrence-form CGL policy with 1,000,000 per occurrence and $2,000,000 general aggregate. On 02/11/2025, while Vanguard's crews were hanging and finishing board on floors two through four, a temporary water riser the crew had connected overnight failed.
833 words, about 4 min4Blanket Language, Real Gaps: Vector Electric's Submission to Brightwater
Brightwater Construction is general contractor on a 48 million school project. The electrical subcontract requires Vector Electric to name Brightwater and the school district as additional insureds for ongoing and completed operations, to provide primary and non-contributory coverage, to waive subrogation, to give 30 days' notice of cancellation, and to carry 2 million per occurrence and $4 million aggregate.
846 words, about 4 min54:40 on Thursday: Kestrel Roofing's Certificate Request
Thursday at Harlan Insurance Services. Kestrel Roofing's owner needs a certificate of insurance by 5:00 for a general contractor's prequalification file; jobsite access depends on it, and work starts Monday.
882 words, about 4 min