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Free · 24-page handbook · 2026 edition

The COI Handbook
for independent agencies.

Everything we've learned about issuing COIs efficiently — written for owners and ops managers, not insurance influencers.

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VOL. 01 · 2026 EDITION
THE COI HANDBOOK
Eight chapters.
Zero fluff.
Koffyr · for independent agencies
What's inside

Eight chapters. Zero fluff.

We wrote this for ourselves first. 24 pages, scannable, footnoted, no sponsor content.

24 pages
8 chapters
~20 min read
  • 01 Why most agencies are losing money on COIs
  • 02 ACORD 25, 27, 28 — when to use each
  • 03 The 5 most common COI mistakes (and how E&O carriers find them)
  • 04 Coverage-rule guardrails: what to enforce, what to allow
  • 05 Building a self-service COI portal your insureds will use
  • 06 The audit trail your renewal will live or die by
  • 07 Comparison: in-house vs. Certificate Hero vs. Koffyr
  • 08 A 30-day plan to cut COI labor by 70%
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