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Certificate of Insurance (COI)

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CERTIFICATE OF INSURANCE

What Is a 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.

What’s in a COI

✓The moving company’s legal name and address
✓The insurance carrier’s name and contact information
✓Types of coverage (general liability, auto liability, workers’ comp, and sometimes umbrella/excess)
✓Coverage limits and policy dates
✓The certificate holder (your building or property manager)
✓Any required endorsements, such as additional insured wording or waiver of subrogation

WHEN IT’S NEEDED

When and Why a COI Is Needed During a Move

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

✓

Residential
High-rise apartments and condominiums often require COIs to grant movers access. If you’re moving into a residential building with management on-site, expect to need one.

✓

Commercial
Commercial office buildings request COIs to ensure liability coverage during equipment transport, especially when sensitive areas like server rooms are involved.

✓

Luxury Properties
Upscale or historic buildings mandate COIs to safeguard their assets and unique structures. These often come with additional endorsement requirements for elevator and lobby protection.

✓

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 full confidence on moving day.

OUR PROCESS

How Poseidon Moving Simplifies the COI Process

Most people don’t think about a COI until their building asks for one — and by then, the move is days away. We handle it upfront so it never becomes a last-minute problem. Whether you’re booking a long-distance move or a local job, the process is the same:

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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.
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Step-by-Step: Requesting a COI

1.
Inform Us Early — Let us know during booking if your building requires a COI.
2.
Provide Building Details — Share your building management’s contact info and any specific requirements.
3.
We Handle the Request — Poseidon works directly with our insurance provider to create the COI with all necessary details.
4.
Delivery — The COI is sent directly to your building management or emailed to you before moving day.
5.
Confirmation — We confirm receipt with the building to avoid any last-minute complications.
Timing tip: Let us know about your COI requirements at least 2 weeks before your move date.

BY BUILDING TYPE

Common COI Requirements by Building Type

Different buildings have different COI expectations. Here’s what you’ll commonly see:

✓
Residential Buildings: Often 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 and certificate holder.
✓
Commercial Office Spaces: May demand higher coverage limits — especially for moves involving server rooms, executive suites, or sensitive equipment. They may also require waiver-of-subrogation or primary/non-contributory wording.
✓
Luxury Apartments: Commonly require specific endorsements for elevator, hallway, and lobby protection, plus proof of workers’ comp and auto liability.
✓
Historic Properties: Often have stricter insurance requirements to protect original materials, historic finishes, and structural integrity.

Typical Coverage Minimums

General Liability
$1M / $2M
Workers’ Comp
State Minimum
Auto Liability
$1M Combined
Additional Insured
Available

Requirements vary by building. We’ll match or exceed whatever your property manager needs.

QUESTIONS

COI Questions Answered

It depends on the building. Most high-rise apartments, condominiums, commercial office buildings, and luxury properties require a COI before allowing movers access. Check with your building management or HOA at both your current and new addresses as early as possible — ideally 2 or more weeks before your move date.
A standard COI includes the moving company's name, insurance provider details, policy numbers, coverage types (general liability, workers' compensation, auto liability), policy limits, and coverage dates. Some buildings also require the property or management company to be listed as an "additional insured," which temporarily extends the mover's coverage to include them during the move.
Poseidon Moving handles the COI process as part of your moving service. Let us know during booking if your building requires one, and we'll coordinate directly with our insurance provider to produce and deliver the certificate. Just provide your building management's contact info and any specific requirements, and we take care of the rest.

GET STARTED

Get your COI handled today

Get your price in a few minutes online, or give us a call at (866) 565-1516 and we’ll walk you through it.

Poseidon Moving Reviews

Customers nationwide rely on Poseidon Moving. See what they have to say.

Each move gives us the opportunity to deliver an exceptional, worry-free experience that exceeds expectations.

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Sreedhar Koneru
a month ago

Great team to plan your moving needs. They were on time and delivered smoothly. John and both his crews that helped pickup and drop off are awesome to work with. Oleg support throughout is very helpful.

5.0
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Marion McNabb
2 weeks ago

Wow, what an incredible experience working with Poseidon moving. They were very professional, very affordable for my move, nothing was damaged, and all was tracked online. I really really highly reccommend Poseidon movers. It took me 6 companies quotes to find the best one! I move from East Boston to Asheville NC in mid Sept. Thank you Poseidon for the incredible move!

5.0
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Ziqi Zhang
a month ago

I recently used Poseidon Moving for my move to Boston, and I couldn't be more satisfied with their service. From start to finish, the team was incredibly efficient, handling everything with care and professionalism. My belongings were moved safely and quickly, and the entire process was smooth and stress-free. I highly recommend Poseidon Moving to anyone looking for reliable movers. I will definitely be recommending them to my friends and anyone in need of top-notch moving services!

5.0
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Miguel R. Santos
a month ago

Booking Poseidon Moving services couldn't have been easier and the attention given couldn't have been topped. Oleg was a great communicator and we got plenty of emailed information on what to expect moving day and how to best prepare for it. On moving day, communication with the moving crew was clear and concise. The moving team was careful with our belongings and efficient moving things out and into our new place. Couldn't recommend them highly enough.

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Emma Goetzinger
3 months ago

Everything about using Poseidon was great! Professional and fast service, and everything arrived in perfect condition right on time. The price and delivery window for my cross country move was by far the most ideal.

5.0
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Osman Ahsen
a month ago

Poseidon just moved my furniture from Boston to San Francisco, and they did an amazing job. They took great care packing my furniture with padding and blankets, and everything arrived in perfect condition. They stuck to their pick-up and delivery dates, and the upfront pricing was spot on—no surprise charges. The whole experience far exceeded my expectations. Highly recommend!

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Maya Ramdev
a month ago

Poseidon moving made moving day very stress free! We used their overnight storage and were able to communicate well regarding timings. Zen and his crew were very kind and helpful.

5.0
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Viswanathan Renganathan
6 days ago

They really have a very nice team. I have used their services not once but twice. First time within Massachusetts and Second time Massachusetts to New Jersey. They are a thouroughly professional team at affordable price. We can rely on them and they are flexible enough with our travel plans. I opted for full packing, they patiently listened and attended to each of household items with care. I can recommend them to any. They ease your tensions and get things done one time. I am always grateful to this team

5.0
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Kim D.
28 March, 2023

They’re efficient, warm, friendly, and very talented. They made moving a wonderful experience. It was stress free, easy and even FUN!

5.0
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Poseidon Moving – Simplifying COI for a Stress-Free Move

Managing your move just got easier with Poseidon Moving. Whether your building requires a Certificate of Insurance (COI) or you need guidance on compliance, we’ve got you covered. From generating the COI to delivering it to your property management team, we handle every detail so you can focus on what matters most.

Our streamlined process ensures a hassle-free experience, making it simple to meet your building’s requirements and enjoy a seamless moving day. Discover how Poseidon Moving goes above and beyond to make your move as stress-free as possible.

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Poseidon Moving team providing professional packing and moving services for residential and commercial clients.

Poseidon Moving Cares

The Team Behind Your Seamless Move

Every successful move is about more than just logistics—it’s about trust and attention to detail. At Poseidon Moving, we understand how important it is to meet building requirements like Certificates of Insurance (COIs) while ensuring your move remains smooth and stress-free.

Our team is dedicated to simplifying the COI process, handling all the details so you can focus on what matters most. From securing the necessary documentation to delivering it directly to your property management team, we take care of everything with precision and care.

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Frequently Asked Questions

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A Certificate of Insurance (COI) is a document provided by a moving company’s insurance provider that proves they have active coverage. It includes details about general liability, workers’ compensation, and other relevant policies. Many buildings require a COI to ensure coverage for potential damages during a move.

Buildings such as apartments, condominiums, and office spaces often require a COI to protect against potential property damage or liability during the move. It ensures that your moving company meets the building’s insurance requirements, making the process compliant and risk-free.

It’s simple! Let us know during booking that your building requires a COI. We’ll collect the necessary details from you, coordinate with our insurance provider, and deliver the document directly to your property management or provide it for your submission.

A COI contains:

  • The moving company’s name
  • Insurance provider information
  • Policy types (e.g., general liability, workers’ compensation)
  • Policy limits and effective dates
  • Details of the requesting building (if required)
  • Additional insured parties (if requested)

Poseidon Moving ensures a quick turnaround for COIs. Typically, it takes 1–2 business days to process, but we recommend notifying us as early as possible to avoid delays.

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