Certificates

Same day certificates of insurance for contractors

What makes a certificate request slow, the endorsements that make one work first time, and how to stop certificates expiring unnoticed.

Get my quote

Same dayCertificates available

5 endorsementsMake it work first time

Ongoing + completedBoth halves

RenewalsKeep them current

Why certificates are the thing that stops work

A certificate is a single page, and it is routinely the reason a crew stands still. A general contractor will not let a subcontractor start without proof of coverage, a lender will not fund a draw, and a client will not hand over a key.

What makes certificates slow is almost never the insurance carrier. It is a request that describes the requirement instead of quoting it, or a policy that lacks the endorsements the contract calls for, which then has to be amended before a certificate can be issued correctly.

Send us this

The certificate holder's exact legal name
Their address, as it appears in the contract
The limits required
Whether additional insured is required
Ongoing, completed, or both
Waiver of subrogation, yes or no

Request a certificate

The endorsements that make a certificate work first time

Each of these removes a reason a general contractor sends the certificate back.

Blanket additional insured. Covers every contract you sign rather than naming each party one at a time, so a new general contractor can be added without amending the policy.
Additional insured including completed operations. Ongoing operations alone is the most common gap. Completed operations is where construction claims usually arrive.
Waiver of subrogation. Stops your carrier pursuing the general contractor after paying a claim on your behalf.
Primary and non-contributory. Makes your policy respond first, rather than two insurers arguing about shares while a claim waits.
Per-project aggregate. Gives each project its own aggregate limit so one claim does not exhaust the limit for the others.

Do this at quote stage. Adding these endorsements before the policy is bound costs little or nothing. Requesting them afterwards is slower, sometimes costs more, and occasionally cannot be done the way the contract wants.

Keeping certificates current

Certificates expire when the policy period ends, and the failure is silent. The general contractor's file shows a document with a date that has passed, and the next time anyone looks at it your crew is stopped again.

The fix is administrative and simple: when a policy renews, send the new certificate to everyone holding the old one. If you work for several general contractors, keep the list and update all of them at renewal rather than waiting to be asked.

Common questions

How quickly can a certificate be issued?

Same business day when the policy is in force and the requirement is clear. If additional insured endorsements need adding first, expect the certificate to follow once those are on the policy.

What if the general contractor wants changes to the certificate?

Send us their wording. It is usually one of the standard endorsements, and if it is, the certificate can be reissued. If they want something the policy does not provide, we will tell you rather than issue a certificate that does not hold up.

Do certificates expire?

Yes. A certificate shows the policy period, and it stops being evidence of coverage when the policy renews or cancels. Send an updated certificate at each renewal to everyone holding the old one.

Can I get a certificate for a project I have not started?

Yes. Certificates are issued for the policy period rather than a specific job, though some contracts require project-specific language and a per-project aggregate.

Request a certificate of insurance

Send the requirement exactly as the contract states it and a licensed specialist will confirm what is needed.

Email and a short message are required, plus either your name or your business name. The qualification fields below are optional, and filling them in means we can come back with real numbers rather than a question.

First Name

Last Name

Email *

Phone

Business name

Trade

State

Total annual payroll

Full-time employees

Part-time employees

Total gross receipts

What do you need?

Details *