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Co-Insurance is used when multiple insurance companies insure one valuable item to split the liability and lower their individual risks.  For example a ship may have one insurer covering the cargo, one insuring the boat itself and another insuring the crew against personal injury.  Each insurer will have different premiums and commissions but the client will only receive one overall invoice.

To do this you create one main or "header" policy for the client, with separate policies for all the insurers involved with it.  The "header" policy will contain the overall premium and commission figures. Starting from the Main Menu....

In the accounts you should find that you have one sales invoice posted to the client and one purchase invoice for each insurer.