Hartford Financial Services GroupThe Hartford leads with fully online COI generation and additional insured additions without agent involvement.

Corporate Insight released a report examining certificate of insurance generation and additional insured capabilities across nine carriers, finding that while online COI generation has become standard, gaps in visibility and support persist. The report covers biBerk, FLIP, The Hartford, Hiscox, Liberty Mutual, Progressive, Simply Business, State Farm, and Thimble, noting that Thimble and The Hartford lead by allowing fully online COI generation and additional insured additions without agent involvement. Simply Business stands out with a dedicated chatbot for generating both basic and custom COIs. The research highlights that discoverability remains a challenge, with The Hartford and Simply Business offering multiple navigation paths, while Liberty Mutual and Thimble provide certificate reuse features. Jacob Littman, insurance research manager at CI, emphasized that many carriers still treat adding an additional insured as an afterthought, and the report recommends building standalone additional insured journeys and improving disclosures.
Hartford Financial Services GroupThe Hartford leads with fully online COI generation and additional insured additions without agent involvement.
Hiscox Ltd
Progressive CorpSimply Business is highlighted for its dedicated chatbot for generating COIs, which is a positive technology feature.
Thimble is noted as a leader in allowing fully online COI generation and additional insured additions without agent involvement, a positive technology capability.
Liberty Mutual provides certificate reuse features, a positive capability highlighted.