06/11/2026
You hired a contractor to fix the problem. One missing document later, and now there's an even bigger problem.
If a contractor gets hurt on your property and they're not carrying their own insurance, you could be the one left holding the bill. Medical expenses, lost wages, legal fees, and more. It happens more often than you can imagine.
To prevent this from happening to you, always request a Certificate of Insurance (COI) from any contractor before any work begins. A COI confirms that your contractor (and any employees they may have) are properly covered.
If the contractor is good and legit, they'll have one ready to get you. If they hesitate or refuse, then contact a different contractor and save yourself the headache.
When you get a COI, ensure that:
✅ The name matches who you're hiring
✅ Coverage is active for the dates they're working
✅ Policy includes general liability
We wanted to share this because we've seen what happens when people skip this crucial step.
And if you're ever wondering what you're covered for or what gaps are present, our door at Phoenix is always open. You can also give us a call at 1-800-248-0397 or visit our website at phoenixinsgrp.com.