Certificate of Insurance for Landscapers
A COI proves you're insured. Most clients, HOAs, and property managers won't hire you without one.
What Is a Certificate of Insurance?
A Certificate of Insurance (COI) is a one-page document issued by your insurance carrier that summarizes your coverage. It shows:
- Your business name and address
- Policy number and effective dates
- Coverage types (GL, WC, auto, etc.)
- Policy limits ($1M per occurrence, $2M aggregate, etc.)
- Additional insured parties (if requested)
It does not change your policy — it simply proves your coverage exists.
Who Requires a COI from Landscapers?
HOAs & Property Managers
Almost every HOA contract requires a COI with the HOA listed as additional insured before work begins.
Commercial Property Owners
Office parks, retail centers, and apartment complexes require proof of insurance from all vendors.
General Contractors
If you sub out to a GC, they need your COI to satisfy their own insurance requirements.
Government Contracts
Municipal landscaping bids always require proof of GL and often workers' comp COIs.
How to Get a COI
- 1
Get insured
You need an active GL policy first. We can get you quoted and bound in as little as one business day.
- 2
Request your COI
Once your policy is active, request a COI from your carrier or broker. We handle this for all our clients.
- 3
Add additional insured (if needed)
Many clients want to be listed as 'additional insured' on your COI. This is a standard endorsement — just let us know who to add.
- 4
Deliver to your client
COIs are typically emailed as a PDF. Most carriers can issue them same-day.
Need a COI? Start with a Quote.
Get insured, get your COI, and start landing bigger contracts.
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