Certificate of Insurance for Mall Lease: What Kiosk Operators Need to Know

What Is a Certificate of Insurance?

A Certificate of Insurance (COI) is a one-page document that summarizes your insurance coverage. It lists your insurance company, policy numbers, coverage types, limits, and effective dates. It's proof that you have active insurance.

For kiosk operators, this document is critical — virtually every mall landlord, shopping center management company, and event organizer will require one before you're allowed to set up.

What Coverage Do Mall Landlords Typically Require?

Most major mall operators (Simon Property Group, Brookfield Properties, etc.) require:

Some malls require higher limits — $2 million per occurrence — especially for food vendors or kiosks selling health-related products. Always check your specific lease agreement for the exact requirements.

How to Add the Landlord as Additional Insured

When you get your COI, tell your insurance agent: "I need to add [Mall Name / Management Company] as an additional insured." They'll issue an endorsement that covers the landlord if they're named in a lawsuit related to your business operations.

Make sure the legal name of the property owner is listed correctly — exactly as it appears in your lease.

Getting a Same-Day COI

We understand that lease signings often happen fast. At Contractors Choice Agency, we can typically issue a COI the same day you contact us, provided:

To speed things up, have ready: the legal name of the property management company, the address of the mall, the coverage limits required by your lease, and the effective date you need.

Common COI Mistakes That Delay Your Lease Signing

1. **Wrong additional insured name** — Check your lease carefully for the exact legal entity name

2. **Wrong address on the COI** — The kiosk location must match your lease

3. **Insufficient limits** — Confirm the minimum required before getting quoted

4. **Forgetting the waiver of subrogation** — Many landlords specifically require this endorsement

Call us at 844-967-5247 — we've helped hundreds of kiosk operators get their COI quickly and correctly.