Request a Certificate of Insurance
Need a COI for a lender, vendor, landlord, client, CSLB requirement, job site, or contract? Submit the required details and our team will review the request.
Request COIResources
Commercial insurance resources for business owners.
Practical guidance for certificates of insurance, claims questions, audits, cancellations, endorsements, lender requirements, and coverage reviews — built for business owners who need clear next steps.
Also includes personal insurance and wealth & asset protection education — term life, mortgage protection, IUL, and Infinite Banking.
What do you need help with?
Pick the action that matches your situation. We'll review your request and follow up.
Claims Guidance
Before moving forward with a claim, it may help to understand your deductible, coverage, and possible next steps. If there is an emergency, injury, or urgent legal requirement, act immediately and follow carrier/policy instructions.
Get Claims GuidancePolicy Changes & Endorsements
Need to add an additional insured, change an address, update vehicles, add a location, revise coverage, or request special wording? Send the request and our team will help review it.
Request Policy ChangeAudit & Inspection Help
Received a premium audit, inspection notice, underwriting request, or carrier follow-up? We can help you understand what is being requested and what information may be needed.
Get Audit HelpCancellation & Reinstatement Help
Need help with a cancellation notice, lender-placed insurance issue, nonpayment notice, backdated cancellation question, or refund request? Submit the details for review.
Get Policy HelpCoverage Review
Not sure if your current policy still fits your business? Request a review before renewal, a new contract, a lender requirement, or a major business change.
Request ReviewCommercial insurance basics
Short explainers for the questions business owners ask most.
What is a COI?
A Certificate of Insurance is proof of coverage often requested by clients, landlords, vendors, lenders, contractors, or licensing bodies. A COI does not change the policy by itself. Some requests, such as additional insured wording or waiver of subrogation, may require carrier review or endorsement approval.
Request COIShould I file a claim?
Not every situation is simple. Before filing, it may help to review the type of loss, your deductible, potential repair cost, policy requirements, and whether another party is involved. For example, if a repair is only slightly above your deductible, it may be worth discussing the situation before submitting a claim. However, emergencies, injuries, liability issues, lawsuits, theft, major damage, or policy-required reporting should not be delayed.
Ask About a ClaimWhy audits and inspections happen
Commercial policies may require audits, inspections, payroll verification, sales verification, property review, or underwriting follow-up. These requests help carriers confirm that the policy matches the real exposure. Responding accurately and on time can help avoid billing issues, cancellation problems, or coverage concerns.
Get Audit HelpCommon endorsement requests
Business owners often need endorsements for additional insureds, waiver of subrogation, loss payees, mortgagees, vehicle changes, location changes, contract requirements, or special certificate wording. Some requests are simple, while others require carrier approval.
Request Policy ChangeBefore you file a claim
If something happens, the right next step depends on the type of loss, the deductible, the size of the damage, who was involved, and what your policy requires. Adonai can help you understand the process before you move forward.
- If someone is injured or there is an emergency, call 911 immediately.
- If there is major damage, theft, lawsuit, injury, or a third-party liability issue, do not delay reporting.
- If the damage is minor, it may be worth reviewing the deductible and estimated repair cost before deciding the next step.
- Filing a claim for a small amount above the deductible may not always be the best financial decision.
- Policy terms and reporting requirements vary, so the safest step is to contact the agency for guidance.
Need help deciding the next step?
Get Claims GuidancePersonal insurance and wealth & asset protection
Education for families and individuals planning long-term protection.
Term Life, IUL, and Whole Life
Understand the difference between temporary protection, permanent coverage, cash value, and index-linked growth potential.
Request Coverage ReviewMortgage Protection
Learn how life insurance may help protect a family's home if income is lost due to death or other covered circumstances.
Ask About Mortgage ProtectionInfinite Banking Basics
A properly structured whole life policy may support long-term liquidity and control through cash value and policy loans, subject to policy design and carrier terms.
Ask About IBCNot sure where to start?
Send us the situation, notice, contract requirement, or coverage question. Our team will review it and point you toward the right next step.