Certificates of Insurance
Need a Certificate of Insurance (COI) for a project or vendor? We make it easy to request compliant, up-to-date certificates for all your insurance needs. Simply complete the request form below and we’ll process your request – usually within 24 hours.
Get your certificate
Certificates of Insurance
Available Customer Service Forms
Please click the link below for the customer service form you are requesting. Customer service requests are usually completed within 1 to 2 business days.
Why Contractors in Construction Need a COI?
In construction, risks are high—property damage, bodily injuries, and job-site accidents are common. A COI ensures that your business has the right coverage in place to handle these liabilities. It also shows clients that you're insured and professional.
Without a valid COI, many property developers, GCs, or homeowners won’t allow you on site. Not having proof of insurance could cost you the project, especially when competing with other contractors who can readily provide documentation.
Without a valid COI, many property developers, GCs, or homeowners won’t allow you on site. Not having proof of insurance could cost you the project, especially when competing with other contractors who can readily provide documentation.
When Is a Certificate of Insurance Required?
A COI is required in nearly all construction scenarios where third-party liability or property risk is involved, such as:
• Residential and commercial renovations
• New home construction
• Roofing and siding work
• HVAC, plumbing, or electrical projects
• Landscaping and excavation
If your construction business hires insured subcontractors, you should also collect a COI from each one to limit your liability and protect your business from uninsured claims.
• Residential and commercial renovations
• New home construction
• Roofing and siding work
• HVAC, plumbing, or electrical projects
• Landscaping and excavation
If your construction business hires insured subcontractors, you should also collect a COI from each one to limit your liability and protect your business from uninsured claims.
What’s Included in a Contractor’s COI?
A standard contractor insurance certificate includes:
A standard contractor insurance certificate includes:
• The insured's full legal business name
• Insurance policy number(s)
• The type of coverage, such as:
o General liability
o Workers’ compensation
o Commercial auto insurance
o Umbrella or excess liability
• Policy limits (e.g., $1 million per occurrence)
• Certificate holder (often the client or GC requesting proof)
A standard contractor insurance certificate includes:
• The insured's full legal business name
• Insurance policy number(s)
• The type of coverage, such as:
o General liability
o Workers’ compensation
o Commercial auto insurance
o Umbrella or excess liability
• Policy limits (e.g., $1 million per occurrence)
• Certificate holder (often the client or GC requesting proof)
How to Validate a COI in Construction?
Before accepting a COI from a contractor or subcontractor:
1. Request the certificate directly from the insurance agent or company to avoid forged or outdated documents.
2. Verify that the business name on the certificate matches the contractor’s legal name or DBA.
3. Check the effective and expiration dates to ensure the coverage is current through the end of the project.
4. If the policy is expiring soon, require an updated COI before continuing work.
1. Request the certificate directly from the insurance agent or company to avoid forged or outdated documents.
2. Verify that the business name on the certificate matches the contractor’s legal name or DBA.
3. Check the effective and expiration dates to ensure the coverage is current through the end of the project.
4. If the policy is expiring soon, require an updated COI before continuing work.
Need Proof of Insurance?
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