Need a Certificate of Currency ASAP? Here's How Sami Delivers It in Minutes

At a glance

• A Certificate of Currency confirms your business has an active insurance policy.
• It is often requested by clients, venues, landlords, councils or contract managers before work, access, bookings or permits can be approved.
• Sami’s online quote-to-cover process helps eligible businesses arrange cover and receive proof of insurance as soon as the policy starts.
• Sami also provides proof of insurance with a unique QR code, making it easier to share cover details digitally.

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A landlord is asking for proof of liability cover before handing over the keys to a new studio. A market stall booking for tomorrow morning is confirmed only if you have cover. A client will not sign off on a project until they see proof of insurance. These requests tend to arrive with little notice.

A Certificate of Currency, also called a Certificate of Insurance, confirms that your insurance policy is active at the time of issue. It is not the full policy document. Instead, it gives third parties a clear picture of the details they usually need, including your business name, policy type, cover limit, policy period and insurer details.

For many self-employed workers, the Certificate of Currency only comes to mind once they need one. This article explains when you may need one at short notice and how Sami Insurance can help eligible businesses get covered and receive proof of insurance online in minutes. 

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When Do Businesses Need a Certificate of Currency Fast?

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A Certificate of Currency (CoC) is often requested when a business needs to demonstrate it has insurance in place before proceeding. This may happen when:

• A venue, studio or hall asks for Public Liability insurance proof before confirming a booking.
• A market, event organiser or site manager requires proof of cover before allowing setup or access.
• A client asks for a CoC before signing a contract or approving work to begin.
• A tender panel or procurement team requests proof of Professional Indemnity or Public & Product Liability insurance.
• A landlord, property manager or co-working space asks for proof of Public Liability before granting access to the premises.
• A council, licensing body or industry association requires a CoC as part of an application, permit or renewal.

These requests can be time-sensitive, especially when a booking, contract, lease, permit or project start date depends on providing proof of cover.

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How Sami Issues Your Certificate of Currency in Minutes

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Sami’s entire quote-to-cover process is built online, so eligible businesses can arrange cover and receive proof of insurance as soon as cover starts without waiting for paperwork. 

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Fully Online From Quote to Proof of Cover

Sami’s online quote-to-cover process handles everything in one place through the website, from selecting a policy to receiving proof of cover. Cover is available across 800+ occupations, including yoga instructors, business coaches, graphic designers, photographers, allied health professionals and other self-employed professionals or small businesses.

Because proof of insurance is built into the online process, a Certificate of Currency is issued as part of the same flow, not as a separate step after purchase. This makes it easier to respond when a client, venue, landlord or council asks for proof of cover.

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Digital Proof With a Unique QR Code

Sami provides proof of insurance with a unique QR code, making the document easier to share and verify digitally. Rather than a PDF or printed copy alone, the QR code gives clients, venues, landlords or other third parties a quick way to confirm cover details. 

This is useful when cover needs to be verified on the spot, such as before a venue booking, site access, lease handover or contract start date. In such cases, it’s easier to confirm cover when a third party asks for it. 

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How to Get Your Certificate of Currency Through Sami

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Getting a Certificate of Currency through Sami starts with purchasing cover online. The process is designed to collect the details needed to assess your business, confirm your cover options and issue proof of insurance once the policy starts.

• Step 1: Enter your occupation and business details: Start by selecting the occupation you want to cover and confirming that it reflects what your business actually does. Sami may also ask for details such as your business start date, relevant experience or qualifications, number of employees and annual turnover.
• Step 2: Choose your cover type and limit: Review the cover options available for your occupation. Depending on your business and eligibility, this may include Professional Indemnity insurance, Public & Product Liability insurance or both. You can also choose the cover limit that suits your work and any contract requirements.
• Step 3: Complete the final policy details: Before the policy is issued, Sami may ask eligibility and underwriting questions, including those about business specific details, number of employees, higher-risk industries or other details that may affect coverage.
• Step 4: Choose when your cover starts: A Certificate of Currency is issued once the policy is active, so the start date you select determines when proof of cover is available. 
• Step 5: Receive your Certificate of Currency: Once your application is completed and cover starts, Sami emails your Certificate of Currency, along with your unique QR code. You can then share it with a client, venue, landlord, council or other third party that needs proof of insurance.

Cover is subject to eligibility, policy terms, conditions, limits and exclusions.

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Get Proof of Cover Online with Sami

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When a client, venue, landlord or council asks for proof of insurance, getting the document should not slow you down. With Sami, getting covered and receiving your Certificate of Currency are part of the same online process, not two separate admin steps.

Get a quick quote online with Sami Insurance and check whether your business is eligible for cover. Once your application is completed and your policy starts, Sami can issue your Certificate of Currency so you have proof of cover ready to share. Cover is subject to eligibility, policy terms, conditions, limits and exclusions.

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FAQs

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Is my Certificate of Currency the same as my policy document?

No. A Certificate of Currency is proof that an insurance policy is active. It usually summarises key details such as the business name, policy type, cover limit and policy period. Your policy document contains the full details of the cover, including the terms, conditions, limits, inclusions and exclusions.

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How long is a Certificate of Currency valid for?

A Certificate of Currency is generally valid for the policy period shown on the document, provided the policy remains active. If your policy is cancelled, changed or not renewed, the Certificate of Currency may no longer be accurate. Always check the policy dates and details before sharing it with a client, venue, landlord or council.

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Can I share my CoC with multiple clients or venues?

Yes, you can usually share your Certificate of Currency with more than one client, venue, landlord or contract manager if they need proof of cover. However, each third party may have its own requirements, such as a specific cover type, cover limit or policy period. Before sending it, check that your CoC matches what they have asked for.