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SAP Evidence of Insurance

Welcome to SAP’s Evidence of Insurance Website
As part of SAP’s Run Simple approach, we help companies reduce complexity. By running simply, companies can grow their business and improve their bottom line.

WHAT IS Run Simple?

Run Simple is SAP’s operating principle and the basis of all we do at SAP. It refers both to how SAP solutions can help our customers to run at their best by addressing complexity and innovating for future growth and to how SAP can radically simplify how we conduct business internally and externally. It is part of our corporate strategy in 2014 and beyond.

In order to help our customers and business partners Run Simple and to reduce the overall impact on the environment, we have discontinued issuing individual certificates of insurance in favor of the new industry standard - an electronic certificate of insurance (e-COI). The purpose of this website is to provide 24-hour access to SAP's evidence of insurance.

SAP is often requested by outside parties to provide evidence of corporate insurance coverage. Examples of situations where SAP may be required to provide evidence of insurance are as follows:

  • Using a non-SAP location to host an event
  • Leasing or renting equipment, motor vehicle(s), or real estate
  • Customer RFPs and contracts


Aside from a difference of terminology, an e-COI differs from a certificate of insurance (COI) only in that it doesn't contain certificate holder's name.  Nevertheless, an e-COI is universally accepted as a legitimate substitute for a standard COI as evidence of coverage. Issuing and tracking certificates can take a lot of time and be quite expensive without adding value to any process.  By utilizing e-COIs SAP will continue to provide evidence of insurance and meet terms of legally binding contracts and agreements.

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United States
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What is an electronic certificate of insurance?

An electronic certificate of insurance (e-COI) provides information about a company's insurance program in electronic format. This information includes policy numbers, limits, and insurance companies. e-COI and the information within it are subject to the terms and conditions stated therein.

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Is an e-COI acceptable evidence of insurance coverage?

Yes, e-COI is an acceptable method to evidence current policy coverage information.

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How is the e-COI different from a certificate of insurance?
An e-COI shows insurance information, just as a certificate of insurance does, however, it does not contain holder's name. 
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Is the e-COI information available 24 hours a day, 7 days a week?

Yes, subject to website maintenance and information updates. SAP plans to update the information on its website at the time of policy renewal.

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Can an e-COI be printed?

Yes, you may print a copy or save a pdf version for your files. 

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What are the key benefits of the e-COI web site?

Available to view at any time and reduces the paperwork, impact on environment, phone calls and faxes involved in obtaining paper certificates of Insurance.

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What are the financial ratings of the carriers listed on the eCOI?

Ratings are available through A.M. Best Company at www.ambest.com. SAP does not guarantee the financial ratings of its insurance carriers.

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How do I know if I have additional insured status if my company's name does not appear on the e-COI?

If additional insured status is granted, it is done by endorsement to the policy. The terms of that coverage grant will vary by policy/carrier/endorsement. In such a case, the insured's policy will dictate to what extent coverage is provided to you. An e-COI will indicate that the policies of insurance have been extended to provide additional insured status to a group of entities with whom the Insured does business. Look carefully at the additional information section of the e-COI for information regarding additional insured endorsements and other extensions to the policies of insurance.

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Have additional questions?

Please contact benjamin.gibbons@sap.com

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