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Accurate COIs are Critical
Using uninsured subcontractors can lead to devastating results for you and your business.

A Certificate of Insurance (COI) must be obtained before a subcontractor is allowed to start working.

If you try to obtain the COI after a subcontractor has started work, it may be too late to realize that there is actually no coverage. The business may be liable the moment a subcontractor begins working.
What To Look For In A COI

Consequences of Inaccurate COIs

Your Claims: Injured subcontractor's employees may be considered your employees. They could be entitled to WC benefits, impacting:


  • Losses
  • Experience modification
  • Future Premiums


Your Audit Premiums: An uninsured subcontractor's payroll may be considered your payroll, and you could be charged premium accordingly.

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