Is a COI enough by itself?

It is a start. Confirm coverage types, limits, effective dates, and whether you are listed as additional insured when appropriate.

Why does workers' comp matter for homeowners?

Injuries on your property without coverage can become your problem. Ask for proof before mobilization.

Whenever policies expire mid-project. Put renewal reminders in the project calendar.

July 29, 2026 · Project Planning · 1 min read

Verbal "we're insured" is not risk management. Collect a current certificate of insurance before tools arrive.

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Is a COI enough by itself?: It is a start. Confirm coverage types, limits, effective dates, and whether you are listed as additional insured when appropriate.
Why does workers' comp matter for homeowners?: Injuries on your property without coverage can become your problem. Ask for proof before mobilization.
How often should certificates renew?: Whenever policies expire mid-project. Put renewal reminders in the project calendar.