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Construction · NAICS 23 · Certificate of Insurance
A Certificate of Insurance (COI) is a vital document in construction. It provides proof that a contractor or subcontractor carries the insurance coverage required by their contract. Project owners and general contractors rely on COIs to verify that you have general liability, auto liability, and workers' compensation coverage before you step on the job site. This tool generates a clear, construction-specific COI draft that you can send to your insurance agent for final issuance. It highlights the coverages and limits that are standard in the industry, helping you meet contract requirements and keep your project moving.
Yes, a COI is evidence that you have active insurance policies, but it is not a contract and does not grant coverage. Your actual policy documents define the terms and limits.
An additional insured endorsement adds a party (like the project owner) to your policy, giving them rights under your coverage. A COI alone does not make someone an additional insured; the endorsement must be attached to your policy.
No, this is a draft for review. Your insurance agent or broker must issue the official certificate on their letterhead and verify that all coverage details are accurate and bindable.
Self-help document generator: you get a structured draft based on the facts you provide. It is not legal, tax, or financial advice; verify jurisdiction-specific rules before sending.
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