Certificate of Insurance
A client, GC, or permitting office 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.
Structural masonry work often requires a building permit, which means you may need to show proof of insurance to two different parties on the same job — the GC or property owner, and the municipal permitting office. Some jurisdictions won't sign off on a final inspection for structural masonry work without a COI on file. Knowing this ahead of a bid keeps a permit-pulled job from stalling at the paperwork stage.
Once you're bound with us, your certificate of insurance is issued instantly — ready to download and send to your client, GC, or permitting office 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 this matters even more on structural masonry where a defect could implicate the GC's oversight of the job. 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 masonry 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, including permitting office details if applicable. We issue certificates quickly so you can get to work without delays.
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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.
Sometimes, yes. On structural masonry jobs that require a permit, the municipality may want its own copy of your COI on file separate from whatever your GC or property owner requires. Tell us both when you request certificates and we'll make sure each one has the right information.
Contract-specific language on COIs is common, and structural masonry contracts often specify additional insured status and waiver of subrogation more explicitly than residential work does. Tell us what's required when you request the certificate and we'll make sure it's included.
As many as you need. There's no limit on the number of certificates we can issue. Each job, each GC, each permitting office — we handle it.
Licensed agents build your custom quote — typically same business day. Review, enroll, and get your COI instantly.