Certificate of Insurance (COI)

Everything You Need to Know About COI for Your Move

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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, cross country or a local move, the process is the same:

✓
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.

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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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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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How do I get an estimate?

Choose whichever fits your schedule for a free quote or consultation.

✓Video walkthrough. A 15-minute video call, room by room. Most popular option.
✓Call us. 866-565-1516 speak with our friendly team.
✓Request a quote online. Send details and we’ll follow up.
✓Free in-person estimate. Available for homes with 2+ bedrooms.

Will my furniture be protected?

Yes. At Poseidon Moving, protecting your furniture is one of our highest priorities.

Every piece is carefully prepared before it’s moved. Our crews use heavy duty moving blankets, stretch wrap, floor protection, and proven loading techniques to help prevent scratches, dents, and shifting during transport.

If you have antiques, artwork, glass, marble, or other high-value items, we can recommend additional protection options such as custom crating or White Glove service.

Are there items you can't move?

Yes. For safety reasons, we cannot transport hazardous materials or certain restricted items. These are commonly referred to as “non-allowable items.”

This includes:

•Propane tanks, gasoline, kerosene, and lighter fluid
•Paint, aerosols, household cleaners, and other hazardous chemicals
•Fireworks, ammunition, matches, and charcoal
•Living things, including plants, fish, and pets

We recommend transporting these items yourself, using them before your move, or disposing of them safely according to local regulations.

Not sure about a specific item? Just ask your Move Coordinator before moving day, and we’ll be happy to let you know if it can be transported.

Can you take down TVs and wall-mounted items?

Yes. We can remove and reinstall many wall-mounted items as part of your move.

Our crews can typically dismount and reinstall:

✓Mounted TVs
✓Artwork and mirrors
✓Shelving
✓Window air conditioners

Some installations may require additional hardware, specialized tools, or extra time, so these services may incur an additional charge.

If you know you’ll need help with wall-mounted items, let your Move Coordinator know before moving day so we can arrive fully prepared.

How much will my move cost?

Every move is unique, so the most accurate pricing starts with a personalized estimate.

✓Local Moves – Pricing depends on the size of your move, the time required, travel time, and any additional services such as packing, storage, or specialty handling. Based on your move, we’ll recommend either hourly or flat-rate pricing.
✓Long-Distance Moves – We provide binding estimates based on your inventory, the distance, logistics, and any additional services you request.

Do you provide moving supplies and equipment?

Yes. Every Poseidon Moving truck arrives fully stocked with the supplies and equipment your move may need.

✓Heavy-duty moving pads, stretch wrap, and tape
✓Dollies, hand trucks, straps, and floor protection
✓Basic tools for disassembly and reassembly

If you’re not fully packed by moving day, let us know before your move date and we’ll make sure the crew brings the packing supplies you need – boxes, dish packs, wardrobe boxes, bubble wrap, mirror boxes, and TV boxes.

Certificate of Insurance (COI)

Poseidon Moving Expertise

Your stories are our success – see what our customers have to say.

What Is a Certificate of Insurance (COI)?

What’s in a COI

When and Why a COI Is Needed During a Move

How Poseidon Moving Simplifies the COI Process

Step-by-Step: Requesting a COI

Common COI Requirements by Building Type

Typical Coverage Minimums

COI Questions Answered

Get your COI handled today

Poseidon Moving – Simplifying COI for a Stress-Free Move

Moving Tips

Poseidon Moving Cares

The Team Behind Your Seamless Move

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What's New

Frequently Asked Questions

Moving Resources

Moving Help

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