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Why do I need a certificate of insurance?

Providing a certificate of insurance can be the difference between you getting the job and not. You’ll need one each time you sign a contract with new and existing clients. Simply, it means that your policy exists.


Clients require that you provide them with the certificate of insurance to ensure that your insurance policy is valid and in effect. They want to know that in the event of any claims they won’t be held liable for any injuries, substandard work, or damages related to your work. Even if your client knows you have a policy, providing a COI helps the legitimacy and professionalism of your image and your business’s image.


Your clients have peace of mind that your insurance policy is valid. Without the certificate, your client could be held responsible if you cause any damages or injuries. You wouldn’t want to lose a job just because you cannot provide the certificate.

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