A professional COI request template for real estate photographers and 3D tour providers to furnish clients with proof of insurance coverage, additional-insured designations, and policy limits.
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The Insurance Certificate COI Request is a structured template that real estate photographers, Matterport and iGUIDE operators, drone pilots, and other reality-capture professionals use to respond to client requests for proof of insurance. It documents required coverage types, minimum policy limits, additional-insured designations, and certificate-holder details in a single standardized document aligned with the ACORD 25 certificate format.
Use the Insurance Certificate COI Request when a commercial client, property owner, or asset manager requires formal proof of coverage before granting site access. Common triggers include first-time engagements with a new brokerage or property management firm, projects at luxury residential or commercial listings, drone operations requiring site permits, and any engagement where the client demands additional-insured status on a primary and non-contributory basis.
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This COI Request is submitted by the **Certificate Holder** (your commercial client) to the **Insured** (your photography or 3D tour business) as a condition of engagement. It identifies the specific property where services will be performed and sets a firm delivery deadline for the completed ACORD 25 certificate.
The template spells out exactly what the client needs to see on the certificate before work begins:
All occurrence-based policies must be placed with AM Best A- VII or better carriers licensed in the governing state.
The client is designated as an **Additional Insured on a primary and non-contributory basis** for both ongoing and completed operations — the specific endorsement language that most commercial property owners and asset managers require. The template captures the client's full legal name, address, and contact details so your broker can populate the endorsement accurately.
The certificate must include a **30-day advance written notice of cancellation** clause (10 days for non-payment), protecting the client in the event a policy lapses mid-engagement.
A dedicated email field routes the completed certificate directly to the right person, and a delivery-date field creates a clear, enforceable deadline — eliminating the back-and-forth that delays project kickoff.
This template is designed for real estate photographers, Matterport and iGUIDE operators, drone pilots, and any proptech professional whose commercial clients require formal proof of coverage before granting site access.
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