WHINS Insurance Agency
COI Requirements for Medical Office Leases
How California medical offices can review lease insurance requirements, certificates, additional insured wording, and umbrella requests.
Leases often drive insurance wording
A medical office lease may request general liability limits, additional insured wording, waiver of subrogation, property coverage, or umbrella limits.
Certificates do not change coverage
A certificate is evidence of insurance. The actual policy and endorsements control coverage.
Send the lease early
WHINS can review the insurance section for quoting discussion before the certificate deadline becomes urgent.
Next Step
For the main campaign page, see Medical Office Business Insurance in California.
Start a medical office business insurance request
Coverage is subject to the terms, conditions, exclusions, and endorsements of the issued policy. Summaries or discussions of coverage are provided for general reference only and do not amend, extend, or alter the actual policy language. Binding or changes to coverage are effective only when confirmed in writing by the issuing insurer or an authorized representative of WHINS Insurance Agency.
