Goodbye PDFs, Hello Live Certificates of Insurance!

Bunker is making it easier than ever for contractors to purchase and share small business insurance with our new Live Certificate of Insurance. Traditionally, proof of insurance has been represented by a PDF Accord form. The Live COI takes the contractor’s insurance information and turns it into a dynamic, living document, which can be updated and shared at the click of a button.

The problem with static documents like the Accord form is that the moment a contractor changes their coverage, or gets a new contract and needs to add an additional insured, the old form is no longer valid. In this case, the contractor would have to contact their broker, request an updated certificate of insurance, wait for the changes to be made, and receive a new PDF Accord form via email. Brokers will often charge contractors to make these changes, which can take up to a week. It also becomes difficult for contractors with short-term policies, who may go through three or more Certificates of Insurance over the course of a single year.

The Live COI addresses the dynamic nature of insurance in the on-demand economy. Whenever you get a new contract, you can simply log into your Bunker account, make any necessary updates, and share your Live COI as many times as you need to. Your Live COI can be viewed and downloaded by anyone you share it with at no charge. If you make changes to your policy, they will update in real-time, so you’ll only ever need to share your certificate once per contract, even if you have to make updates to your coverage.

For example, let’s say you worked with a company two years ago who required general liability coverage. They’ve hired you for another contract, but the Certificate of Insurance they have on file has long since expired. Additionally, this time they’re requiring both General and Professional Liability coverage. If you’ve already purchased the policy, simply head to your Bunker account, type in their email and they’ll see your updated Certificate of insurance. If you don’t have what you need for the contract, select add coverage, choose the required coverages, set the term length to last through the end of your contract, and share when you’re done (the whole process takes about 5-10 minutes).

If you purchased insurance elsewhere, simply upload your Accord form, and Bunker will convert it into a digital document that’s ready to share. Then, whenever you need to make changes, add coverage, or renew your policy, you can do so through your Bunker account in just a few clicks.

Insurance is a tedious but necessary part of every business relationship. The Live COI was created to make the process of sharing proof of insurance smooth and painless, so you can get to work as quickly as possible.

If you have any questions about the Live COI, give us a call anytime at (877) 968-9108, email us at, or head to and live chat with one of our insurance advisors!


How to Share Your Live COI

Sharing Your Live COI

Ready to Get Started?

Log in to your Bunker account, or get a quote and say goodbye to COI hassles for good!