Need a Certificate of Insurance (COI) Today?
Many contracts require proof of insurance before you can start work.
What is a Certificate of Insurance?
A Certificate of Insurance (COI) is a document that proves to your clients or landlords that you have active business insurance. It summarizes your coverage types, policy limits, and effective dates.
Why it matters: Without a COI, general contractors often won't let you on the job site, and landlords won't hand over the keys. We provide instant digital COIs so you never face delays.
What do you do for work?
Your rate depends on exactly what you do.
Do I really need general liability insurance?
Most small businesses do. If you meet clients face-to-face, work on their property, or have a shop open to the public, you're at risk. It's the must-have policy for:
- Contractors: Who build, repair, or install things.
- Retailers: With foot traffic in their stores.
- Consultants: Who visit client offices or host meetings.
What are you most worried about?
We'll build your policy around your biggest risks.
Legal Defense
Protection against lawsuits, libel, and slander accusations.
Property Damage
Coverage if you accidentally damage a client's property.
Bodily Injury
Covers medical bills if a customer slips and falls at your site.
What does general liability insurance cover?
People call it "slip-and-fall" insurance, but it covers a lot more. It basically protects your wallet if you get sued. It covers:
How much money does your business make?
How much liability coverage should I get?
Most small business owners go with a $1 Million / $2 Million policy. It's what most landlords and contracts ask for.
- Per Occurrence $1,000,000: The most they pay for a single accident.
- Aggregate $2,000,000: The most they pay for all accidents in one year.
*You might need more ("Umbrella Insurance") if you have really big contracts.
Want to add any extras?
Here's what other local businesses usually add:
What is General Liability Insurance?
Think of General Liability (GL) as your business's main shield. It protects your bank account if you get blamed for breaking something or hurting someone while you're working.
Without it, a single accident—like a customer slipping on a wet floor or you dropping a tool on a client's car—could turn into a lawsuit that costs way too much.
It keeps you safe from:
- People getting hurt
- Breaking someone's stuff
- Lawyer fees
- Accidental copyright issues
How much does general liability insurance cost?
Every business is different, but most policies cost between $300 and $1,000 a year.
Consultants & Photographers
If you work from an office or home and don't see many people, your price is usually lower.
Retail & Landscaping
If you have a physical store, job sites, or see clients often, the price goes up a bit.
Construction & Roofing
Heavy machinery, dangerous heights, and big projects naturally cost more to insure.
4 Things That Change Your Price
A web designer has less risk than a welder, so they pay less.
Some states have more lawsuits or higher costs, which can raise your rate.
A $2 Million policy protects you more than a $1 Million policy, so it costs a little more.
More money and more employees usually means more chances for accidents.