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Certificate of Insurance (COI) Explained

Your GC will ask for a COI on every project. Here's what it is, what it proves, and what to check before submitting one.

4 min read

A Certificate of Insurance (COI) is a one-page document issued by your insurance provider that summarizes your current insurance coverage. It proves to the GC and owner that you carry the required insurance before you start work on their project. It does not transfer insurance coverage — it just confirms it exists.

What coverages are typically required

General Liability: Covers bodily injury and property damage caused by your work. Most projects require at least $1,000,000 per occurrence and $2,000,000 aggregate. Workers Compensation: Required if you have employees. Covers work-related injuries. Auto Liability: Covers vehicles used in connection with the work. Some projects also require Umbrella/Excess Liability for higher coverage limits.

Additional insured

Most GCs will require you to add them (and sometimes the owner) as 'Additional Insured' on your general liability policy. This means they're covered under your policy for claims arising from your work. Your insurance agent can add this — it typically requires a simple endorsement. Make sure the additional insured language on your COI matches exactly what your contract requires.

What to check before submitting

Policy effective and expiration dates — make sure coverage doesn't lapse during the project. Coverage limits meet or exceed what your contract requires. The correct GC and owner are listed as additional insured if required. Your business name on the COI matches your contract exactly.

When your COI expires mid-project

If your policy renews during the project, get an updated COI to your GC before the old one expires. An expired COI is one of the most common reasons pay apps get rejected. Some GCs will hold payment until a current COI is on file.

Insurance requirements vary by contract and project. This is general educational information, not legal or insurance advice. Consult your insurance broker for coverage specific to your business.

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