Certificate of Insurance

Construction Certificate of Insurance (COI) definition. Learn why you must collect these from every subcontractor before they step on site.

Calculation Formula

Compliance = Valid COI + Correct Limits + Named Additional Insured

Real Contractor Example

Before a roofing sub starts work, the GC requires a COI showing $1M in general liability and verified workers' comp coverage.

Put This Into Practice

Knowing the definition is step one. RemodelFin tracks this in real time on every job — no spreadsheets.