Does a certificate guarantee coverage for my project?

No. It summarizes reported policies but is not the insurance contract. Verify relevant questions with the insurer or licensed agent.

Should subcontractors provide their own documents?

Ask who is performing the work and how coverage is confirmed for each company and crew.

Can I check the policy myself?

Ask the contractor for current evidence and, where appropriate, have the insurer confirm the facts or a qualified adviser review the policy.

How to Review a Contractor’s Certificate of Insurance

October 4, 2026 · Homeowner guide · 2 min read

A certificate of insurance is a snapshot supplied to show certain policies, not a guarantee that every loss is covered. Before a project begins, confirm the legal business name, policy dates, coverage types, and whether the work falls within the policy. Ask the insurer or agent to confirm details when the project warrants it.

Match the insured to the contract

Check that the named business and contractor on the certificate match the agreement and license record. If a different company will perform the work, ask why and verify its role and coverage too.

Read policy types and dates carefully

General liability, workers’ compensation, commercial auto, and other coverage serve different purposes. A certificate may list limits and expiration dates, but it does not show every exclusion or condition. Confirm coverage remains active for the full project period.

Ask who is covered on site

Clarify whether subcontractors and temporary workers are included or carry their own policies. Ask how the contractor manages proof of coverage before a subcontractor starts.

Save confirmation with project documents

Keep the dated certificate and written confirmation with the contract, permits, and change orders. If a project involves significant risk, ask an insurance professional or attorney to review the actual policy rather than relying only on the summary.

Insurance requirements and legal duties vary by state, work type, and contract. A certificate does not amend the policy, create coverage, or prove a contractor’s workmanship.

Use the directory search to find options, then confirm details with the relevant professional or official source. See FTC contractor hiring advice.

Frequently Asked Questions

Does a certificate guarantee coverage for my project?: No. It summarizes reported policies but is not the insurance contract. Verify relevant questions with the insurer or licensed agent.
Should subcontractors provide their own documents?: Ask who is performing the work and how coverage is confirmed for each company and crew.
Can I check the policy myself?: Ask the contractor for current evidence and, where appropriate, have the insurer confirm the facts or a qualified adviser review the policy.