Deciduous is a designation indicating a plant sheds its foliage at the end of the growing season. The term is used primarily in reference to trees and shrubs, in contrast with those that are evergreen..
Conflict of interest. A conflict of interest (COI) is a situation in which a person or organization is involved in multiple interests, financial or otherwise, one of which could possibly corrupt the motivation or decision-making of that individual or organization. The presence of a conflict of interest is independent of the occurrence of impropriety.
Certificate of Insurance Request Form. Commercial insurance clients of Horst Insurance may use the form below to request that a Certificate of. Insurance (COI) be issued on their behalf. Please complete all the fields of information so that we may. provide the most accurate COI possible. We strongly encourage you to also include a copy of the COI. request that you received from the certificate holder. There is an option at the bottom of the request. form below for you to attach a scan of that request. COIs are generally processed within 24 hours. during normal business days.