Contractor & Trades Insurance

A Certificate of Insurance (COI) acts as a snapshot, verifying that an individual or business holds specific insurance coverage. It’s proof your contractor has the necessary protection, often required before they can start work on a project. What Does a COI Prove? Think of a COI like a car’s registration and proof of insurance in

General contractors require subcontractors to carry their own insurance primarily to manage their own risk. This ensures that if a sub causes damage or injury, the claim is handled by the sub’s insurer, protecting the general contractor’s policy from increased premiums and potential cancellation. It’s a fundamental part of managing the inherent risks in any