MUST READ CONTRACTOR ARTICLES

 Collecting certificates of insurance (COIs) from subcontractors is one of those tasks that contractors know they need to do—but too often it’s treated like a box to check rather than a real safeguard. Sure, COIs help with workers’ comp audits, liability verification, and meeting contract requirements, but the real importance shows up when something goes wrong on a jobsite. If a subcontractor causes damage or injury and their insurance isn’t properly documented, the claim could easily fall back on your policy instead of theirs. That’s why it’s not enough to simply collect a certificate—you need to know what to look for.