COI Requirements Checklist for Contractors
A step-by-step checklist covering every COI requirement general contractors and property managers typically ask for — so you never lose a job over missing paperwork.
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What You'll Learn
- The 6 coverage lines most GCs require on every COI
- Minimum GL limits ($1M/$2M) and when you need higher
- Additional insured vs. certificate holder — what’s the difference
- How to avoid the #1 reason COIs get rejected
- Same-day COI process so you never miss a start date
Key Takeaways from This Guide
73% of COI rejections
are caused by missing additional insured endorsements — not insufficient limits. This checklist shows you exactly what to ask your agent for.
$1M/$2M GL minimums
are standard for most commercial jobs, but some GCs require $2M/$4M. Upgrading usually costs only 15–25% more in premium.
Same-day COIs
are possible when your agent has the right systems in place. We issue certificates within hours of binding — not days.
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No obligation · Free quotes · Licensed in 29 States