Certificate of Insurance
A client or GC is asking for your certificate of insurance. Here's what it is, what it needs to show, and how to get one fast — sometimes the same day.
A certificate of insurance (COI) is a one-page document that summarizes your insurance coverage. It shows the name of your insurance company, your policy numbers, coverage types and limits, policy effective dates, and who's named on the policy. It's not a policy itself — it's proof that a policy exists.
Clients, general contractors, property managers, and municipalities ask for COIs before allowing you to start work. It's their way of confirming you're insured and that if something goes wrong, there's coverage in place.
Once your crew hangs and finishes a wall, whatever's behind it — electrical, plumbing, insulation — is sealed away from view. Many GCs won't let a drywall crew close up a space until every other trade's work has been inspected and your COI is on file, because after that point, verifying anything behind the wall means tearing it back out. On fire-rated jobs, the GC or building inspector may also want documentation tied to the specific assembly you installed.
Once you're bound with us, your certificate of insurance is issued instantly — ready to download and send to your client or GC the same day. If you need coverage urgently for a job starting tomorrow or even today, same-day coverage is typically available. Fill out the quote form and our agents work quickly to get you covered.
An additional insured is a third party — typically a GC, property owner, or property manager — who is added to your GL policy and receives some of the same protections you do. If they're named on your policy as additional insured, your coverage also responds to claims made against them arising from your work.
GCs almost universally require to be named as additional insured on your policy before you can work on their projects, and it matters even more on jobs where your work will close up and hide other trades' installations. We can add additional insureds quickly, or include a blanket additional insured endorsement that automatically covers any GC you work for.
General contractors typically require drywall subcontractors to provide:
Once you're a client, requesting a COI is simple — contact us with the name and address of the certificate holder and any specific language required. We issue certificates quickly so you can get to work without delays.
Get your free quote
Our licensed agents build your custom quote — typically same business day.
FAQ
First you need an active GL policy. Once you bind coverage with us, your COI is issued instantly. You can download and send it to your client or GC right away.
Certificates of insurance are free — there's no charge to issue a COI. The cost is your insurance premium, which is what you pay for the underlying coverage.
Yes. Once you bind coverage, your COI is issued instantly. Same-day coverage is typically available, so you can often get a policy and COI the same day a job requires it.
Often yes — many GCs want confirmation of coverage on file before your crew seals up a space, since that's the point where other trades' work becomes inaccessible for inspection. Get your COI in place before you're scheduled to close up, not just before you start hanging.
As many as you need. There's no limit on the number of certificates we can issue. Each job, each GC, each property manager — we handle it.
Licensed agents build your custom quote — typically same business day. Review, enroll, and get your COI instantly.