How-To
Jeff Friedlander, Managing Member·5 min read
Certificates of Insurance: What GCs Require and How to Get One Fast
Jeff Friedlander, Managing Member·5 min read
No certificate, no job. Here’s how to never be the reason a NJ job stalls.
What a COI is
A certificate of insurance (COI) is a one-page proof that you carry the coverage and limits a general contractor or client requires. In NJ contracting it’s the price of admission to the site.
What GCs typically require
- A $1 million combined single limit on auto liability is common
- Additional insured status naming the GC
- Proof of general liability and often workers’ comp alongside auto
- Sometimes specific waiver-of-subrogation language
Getting one fast
This is where a local specialist beats a 1-800 number cold. We issue certificates usually within the hour during business hours, add the GC as additional insured correctly, and match the contract’s exact limits. Slow certificates cost you work — see why on our Why Us page.
Get a NJ commercial auto quote. Whatever you took from this post, the next step is the same: a real quote on your actual operation. Start the 5-minute form or call — we shop multiple A-rated carriers and come back within one business day.