Certificate of Insurance for Construction

See why construction developers choose TrustLayer to protect their businesses by increasing subcontractor insurance compliance and decreasing risk with the use of  automated insurance verification to mitigate  liability.

Simple & intuitive insurance verification & tracking.

Trusted by these fine partners


The Importance of Certificate of Insurance (COI) for Construction

Get Visibility into Insurance Compliance Statuses of Subcontractors with Automation.

Collecting, tracking, and verifying subcontractor certificates of insurance is an extremely time-consuming and manual task.

Also, insurance can be really complex.

Small mistakes can result in increased business risk & huge financial losses for construction firms.

With TrustLayer, builders can decrease or eliminate this risk by knowing whether a subcontractor is compliant and verified insurance documents on file before being allowed on the property to do work or render services.

The construction industry is one of the most challenging and hazardous industries in the world. Construction projects require a lot of planning, preparation, and hard work to complete successfully. One of the most critical aspects of a construction project is ensuring that all parties involved are adequately protected from any potential risks.

This is where a certificate of insurance (COI) comes in handy. In this article, we will discuss the benefits of a certificate of insurance in construction.

What is a Certificate of Insurance?

A Certificate of Insurance is a document that provides evidence of insurance coverage. It is usually issued by an insurance company or broker and given to a third party. In the construction industry, a COI is issued to contractors, subcontractors, and other parties involved in a construction project.

This serves as proof that the contractor or subcontractor has the necessary insurance coverage. This coverage protects against any liability claims that may arise during the construction project.

Benefits of a Certificate of Insurance in Construction
1. Proof of insurance coverage

A COI provides proof of insurance coverage for contractors and subcontractors working on a construction project. This document proves that they have the necessary insurance coverage to protect against any liability claims that may arise during the project. It also assures the owner of the project that they will not be held liable for any accidents or damages that occur during the construction project.


featured image

2. Protection against potential risks

Construction projects involve a lot of risks. Accidents, injuries, and damages can occur at any time, and these can be costly to deal with. A Certificate of Insurance (COI) safeguards contractors and subcontractors from potential risks. It also furnishes them with the financial backing to pay for any losses or legal expenses that may occur.

featured image

3. Increases confidence and trust

A COI increases the confidence and trust between the parties involved in a construction project. The owner of the project can be assured that the contractor or subcontractor has the proper insurance. They are able to handle any claims that could come up. This also helps to build a positive relationship between the parties, which can lead to more successful projects in the future.

featured image

4. Ensures compliance with regulations

Construction projects are subject to various regulations and requirements. A COI ensures that contractors and subcontractors comply with these regulations and requirements. To ensure the project is carried out safely and responsibly, it helps to reduce risks and improve outcomes.

featured image


In conclusion, a Certificate of Insurance is an essential document in the construction industry. It provides proof of insurance coverage, protects against potential risks, increases confidence and trust between parties, and ensures compliance with regulations. Contractors and subcontractors should always ensure that they have a valid COI before starting any construction project. By doing so, they can protect themselves from any potential liabilities and ensure the success of the project.

Truslayer’s AI can help businesses of all sizes. It can reduce external and operational risk by improving insurance coverage. Test our AI to save time and headache.

Essential reading

Why TrustLayer


Simplify Workflows

Eliminate complex paper based workflows - verify tenants and vendors in a snap leveraging computer vision and RPA.


Improve Productivity

Shift valuable staff time from requesting, tracking, and verifying documents to revenue-generating activities.


Not Just Another COI Tracker

Built from the ground up for insurance compliance - automate COI processing on one simple, easy to use website.

Our customers say it best

My company works with roofing contractors across the country. The gathering, verifying, and certificate of insurance tracking is a major undertaking. Trustlayer handles all my insurance verification now and does a fantastic job. They’ve already provided their worth several times over and I no longer worry about contractor insurance compliance or fraud. Plus, the amount of time and aggravation that they save frees may staff up to work on more profitable endeavors.

profile pic

Richard Nelson


Run a better risk program with TrustLayer

Want to see how your risk program stacks up?


Automate Your Compliance Workflows

TrustLayer is the perfect insurance solution for our 1000+ home builders – protecting their businesses by saving time and money with automation.

Chuck Shinn
President @Builder Partnerships


FAQs about COI for Construction