Best use
Use this guide before comparing contractor insurance quotes.
Key points to review
- Certificate holder
- Required limits
- Additional insured wording
- Policy dates
Why COI requests matter
A certificate of insurance is often requested before a contractor can start work. The request may include limits, certificate holder details, additional insured wording, and policy date requirements.
Details to collect
Before asking your provider for a certificate, collect the exact certificate holder name, address, required limits, job name, and contract wording.
These ranges are educational estimates only. Licensed insurance providers calculate final premiums based on underwriting, limits, operations, state, payroll, revenue, claims history, and other details.
Prepare your quote checklistSources
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