Certificate of Insurance (COI)

A Certificate of Insurance (COI) is a document issued by an insurance provider that confirms a moving company has active insurance coverage, including general liability, workers’ compensation, and auto liability. This proof of coverage protects property managers, landlords, and building associations by ensuring the moving company can handle potential damages or liabilities during a move.

Typically, a COI includes the moving company’s name, insurance provider details, policy limits, and coverage dates. In some cases, the requesting party may ask to be listed as an “additional insured,” temporarily extending the moving company’s coverage to include them during the move.

A COI is required in many moving scenarios, especially when strict building management policies are in place. Examples include:

• Residential: High-rise apartments and condominiums often require COIs to grant movers access.
• Commercial: Office buildings request COIs to ensure liability coverage during equipment transport.
• Luxury Properties: Upscale or historic buildings mandate COIs to safeguard their assets and unique structures.
• Special Requests: Using shared spaces like elevators or lobbies typically necessitates COIs.

By requiring a COI, property managers ensure professional service and liability coverage, giving you peace of mind on moving day.

• Proactive Communication: During booking, we confirm whether your building requires a COI to avoid surprises.
• Quick Turnaround: We work closely with our insurance provider to produce COIs that meet your building’s specifications.
• Direct Delivery: We handle delivery directly to building management or provide the COI for you to submit.
• Compliance Assurance: Our COIs meet or exceed standard requirements, covering general liability, workers’ compensation, and auto liability.

1. 1. Inform Us Early: Let us know during the booking process if your building requires a COI.
2. 2. Provide Building Details: Share your building management’s contact information, any specific requirements they have, and, if provided, forward an example COI.
3. 3. We Handle the Request: Poseidon Moving works directly with our insurance provider to create the COI, ensuring all necessary details are included.
4. 4. Delivery: The COI is sent directly to your building management or emailed to you for submission before moving day.
5. 5. Confirmation: We confirm receipt of the COI with the building to avoid any last-minute complications.

Different buildings have unique COI requirements. Here’s what to expect:

• Residential Buildings: Typically require general liability coverage of at least $1 million per occurrence and $2 million aggregate. Many also ask to be listed as an additional insured.
• Commercial Office Spaces: Often demand higher coverage limits, especially for sensitive areas like server rooms or executive suites.
• Luxury Apartments: May require elevator and lobby protection endorsements within the COI.
• Historic Properties: Have stricter insurance needs to preserve the building’s structure and value.

Poseidon Moving’s insurance policies are designed to meet these varied requirements, ensuring your move is fully compliant.

At Poseidon Moving, we make the COI process fast, simple, and stress-free. Whether you’re moving into a residential building or a commercial space, we handle all the details to ensure a smooth and compliant move.

Contact us today to discuss your COI needs and book your move with confidence. Call or request a quote online to get started!