Contractor Insurance COIs: The Homeowner Checklist Before Work Starts
· Project Planning · 1 min read
A signed contract without current insurance is unfinished risk transfer. Collect COIs before demo.
Verify
- Policy dates cover your project
- Workers' comp if employees/subs on site
- Additional insured language if required
Compare GCs in cities or near you.
Frequently Asked Questions
- What is a COI?
- A certificate of insurance summarizing coverage. Request it naming you/your property as required by your contract.
- What coverages matter most?
- General liability and workers' compensation for crews on site. Confirm dates cover the full project window.
- Who should send it?
- The contractor's insurer or agent. Do not rely on screenshots alone.