Certificate of Liability Insurance: What You Need
Protecting Your Projects Starts with the Right Documentation
Before you can break ground on a major project, most clients and project owners will require a Certificate of Liability Insurance (COI). For contractors, having the right COI isn’t just a formality—it’s proof that your business is prepared, compliant, and financially secure.
Need a Certificate Fast?
Before you can break ground on a major project, most clients and project owners will require a Certificate of Liability Insurance (COI). For contractors, having the right COI isn’t just a formality—it’s proof that your business is prepared, compliant, and financially secure.
Key Information on a COI
Every Certificate of Liability Insurance includes critical details about your coverage. Large-scale contractors should expect requests for higher policy limits and specific endorsements. Key elements include:
Types of Coverage:
General liability, workers’ compensation, commercial auto, umbrella, and more
Policy Limits:
The maximum payout available under each coverage type
Effective Dates:
Confirmation of active coverage for the duration of the project
Additional Insureds:
Project owners, municipalities, or other stakeholders added for liability protection
Endorsements & Provisions:
Specific project-related requirements such as waiver of subrogation or primary/non-contributory clauses
Risks of Not Having the Right COI
Failing to provide an accurate or adequate COI can lead to:
Project Delays: Work may be halted until proper documentation is provided
Lost Opportunities: Bids and contracts often require COIs up front
Increased Liability: Without proof of coverage, you could be held directly responsible for damages or claims
Damaged Reputation: Compliance issues can impact your credibility with owners, lenders, and partners
How UCI Simplifies COI Management
Managing Certificates of Liability Insurance for large projects—and across multiple states—can be complex. At UCI, we make the process seamless with:
- Fast, Accurate Certificate Delivery so you never miss a project start
- Compliance Tracking across all contracts, owners, and jurisdictions
- Dedicated Account Teams who understand the demands of large-scale construction
- Specialized Endorsements tailored to project requirements and owner requests
With UCI, you get more than a document—you get a partner ensuring your coverage meets every requirement.
Get the Certificates You Need—Without the Hassle
Your next project shouldn’t be delayed by paperwork. Let our insurance specialists provide fast, reliable COIs tailored to your contracts and project scope.