COI
Get an instant certificate of insurance to send to any client, property manager, or general contractor — same-day coverage typically available.
A certificate of insurance (COI) is a one-page document that proves you carry active insurance coverage — typically general liability, and sometimes additional policies like workers comp or tools coverage. It lists your coverage limits, policy dates, and the insured business name.
Homeowners, property managers, and general contractors ask for a COI before letting you start work so they know they're protected if something goes wrong on the job. It's become standard practice across residential and commercial handyman work alike, and not having one can cost you jobs.
Many clients — especially property managers and GCs — ask to be listed as an "additional insured" on your COI. This extends certain protections of your policy to them for work you perform on their property. We build this into your coverage on request.
Once you bind coverage with us, your COI is issued instantly — no waiting days for paperwork. If a client needs proof of insurance before you start a job tomorrow, same-day coverage is typically available.
Your business name, the type(s) of coverage you carry, your liability limits, policy effective and expiration dates, and — if requested — the client or property manager listed as additional insured.
If you're already covered with us and need a new certificate for a specific client or job, it's a quick request — no need to requote your whole policy. New to Handysurance? Get a quote first, and your COI is ready as soon as you bind.
Get your free quote
Our licensed agents build your custom quote — typically same business day.
FAQ
A one-page document proving you carry active insurance coverage, listing your coverage type, limits, and policy dates. Clients and GCs use it to confirm you're insured before letting you start work.
Instantly, once you bind coverage. Same-day coverage is typically available if a client needs proof of insurance right away.
Yes. Just tell us who needs to be listed and we'll add the endorsement to your policy — this is a routine, standard request.
Not usually. One annual policy generally covers all your work for the year, and you can request a new certificate naming a specific client whenever needed — no need to requote.
Send it our way. Our licensed agents can review specific endorsement requests and let you know what we can accommodate.
Licensed agents build your custom quote — typically same business day. Review, enroll, and get your COI instantly.