What is a certificate of insurance?

A certificate of insurance is a one-page document provided by a painting contractor's insurance carrier that proves they maintain active general liability coverage. The contractor typically requests this from their insurer and gives a copy to you before starting work on your Bridgeport home.

When you receive a COI, you should verify a few key details. Check that the insurance company name and policy number are listed. Confirm the policy's effective date is current and the expiration date extends past your project's scheduled completion. The document should name the painting contractor as the policyholder and list you as the property owner, either in the "certificate holder" box or as an additional insured, depending on your agreement.

General liability coverage on a certificate of insurance protects you if the painter accidentally damages your home, including walls, floors, fixtures, or landscaping, or if someone is injured on the job. Without this coverage, you could be liable for medical bills, property repairs, or lawsuits out of pocket. Before hiring, request a COI and review it carefully. If something looks unclear, ask the contractor to clarify or contact the insurer directly using the phone number on the certificate. Licensed and insured painters in the directory are vetted to carry this protection.