How To Get (COI) Certificate of Insurance for moving

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Author: Vlad Kandybovich

Meet Vlad Kandybovich, your friendly moving expert with over 10 years in the game! As the heart and soul behind QShark Moving Company, he has been a part of more than 50,000 moving journeys, helping individuals like you make smooth and stress-free transitions. Vlad is not just about the business; he genuinely cares about making each move a happy memory. So, when you are looking for advice or a tip on your next move, know that Vlads wisdom comes with a big dose of care and friendship. Happy moving!

How To Get A COI for Moving

How To Get A COI for Moving


Relocating? Heard about the Certificate of Insurance (COI), but not sure what it entails. In the complex moving process, especially in bustling cities like Los Angeles, a COI isn’t just a piece of paper—it’s your peace of mind. Let’s dive deep into the various aspects of COI and why it’s indispensable.

Step-by-Step Timeline for Getting a COI for Moving

StepTime to Request COIWhat You’ll Need to ProvideTypes of Insurance Buildings May Request
Step 1Immediately After Booking MoversName, Contact Details, Move DateGeneral Liability Insurance
Step 21-2 Weeks Before MoveBuilding Requirements, Insurance ConfirmationWorker’s Compensation
Step 31 Week Before MoveFinalize Details, Confirm with Building ManagementAuto Insurance

Why is a COI Necessary?

Requirement by Building Management Companies

If you’re moving into luxury buildings or even certain hyper-luxury buildings in LA, the building management company often demands a COI. It’s not just a formality; it’s a necessity.

Table: Why Do You Need a COI?

Building ManagementRequired for moving in/out
Damage ProtectionSafeguards against potential damages
LegitimacyVerifies the moving company’s insurance coverage

Protection Against Potential Damages

Think of a COI as your safety net. If damages occur, you’ll be less likely to be held liable. It’s not just about protecting your stuff but also securing your wallet.

Ensuring the Legitimacy of the Moving Companies

A COI verifies that you’re dealing with a reputable moving company with adequate insurance coverage, including liability insurance and workers’ compensation. The COI shows proof that the moving company’s insurance company is legit.

Components of a Moving COI

Components of a Moving COI

Personal and Property Manager Details

Your details, the property manager’s contact, and the moving company’s information are crucial components of a COI.

Insurance Confirmation

The COI confirms the insurance policy limits and types of coverage, ensuring they match the building management’s requirements.

Building Address, COI Coverage Details, Insurance Policy Information

The COI also lists the new location, the move date, and even fax numbers for your own records.

Steps to Acquire a COI for Moving

  1. Choose a Reputable Mover: Choose a professional moving company offering the highest insurance coverage.

  2. Request a Sample COI: Get a sample COI to validate with your building manager.

  3. Submit a COI Request: File a formal COI request well in advance.

How Long Does it Take to Receive a COI?

Don’t procrastinate. Usually, it takes several hours to a few business days.

How Do You Ask for a COI?

Simple—request a COI for moving from your chosen company. Many NY insurance companies, like Roadway Moving, excel in quick COI production.

What Happens in the Absence of a COI?

Delays and Financial Losses

No COI spells trouble. Expect delays, especially if moving after hours, and potential financial drains.

Risks and Liability

No COI? You risk being liable for damages and may lack proper insurance coverage.

Choosing the Insured Moving Company

COI Efficiency

Opt for companies efficient in the COI process. Check their time slot availability too.

No Additional Charges for COI Production

Some companies, especially smaller companies, charge for COI production. Dodge that bullet!

Table: Choosing the Right Moving Company

FactorImportanceCOI EfficiencyHighNo Additional ChargesModerate to HighAdequate Insurance CoverageMust-have

The Role of Worker's Compensation in Moving

The Role of Worker’s Compensation in Moving

When you’re neck-deep in move-in paperwork and trying to ensure everything is perfect for your move, one aspect that might escape your attention is worker’s comp. But it’s an essential piece of the puzzle, especially when dealing with building management requirements.

Many buildings require that the moving companies you hire have worker’s compensation as part of their insurance package. This is not just a frill but a crucial element in the moving company certificate. Worker’s comp ensures that if an employee of the moving company is injured while moving your belongings, their medical costs and lost wages are covered. It’s a win-win for everyone involved; you’re not held liable, and the employee is protected.

How much coverage is needed for worker’s compensation often depends on the policies set forth by your apartment building’s management and the type of apartment insurance they hold. Always verify this aspect when reviewing your move-in checklist to avoid any last-minute surprises or delays.


A COI offers legal protection and peace of mind during the moving process. It’s your financial safety net and your ticket to a smooth residential or commercial move. So before your moving day, ensure your COI is in hand!

Frequently Asked Questions (FAQs)

Why Do Building Managers Request COI?

It minimizes their risk and legally protects the buildings.

So, what are you waiting for? Secure that COI and make your move a walk in the park!

What is a Certificate of Insurance (COI) in the Context of a Moving Company?

A COI is a document issued by an insurance company that provides proof that the moving company has adequate insurance coverage. It assures both you and the apartment building’s management that you’re covered in case of damages or other issues.

How Do You Ask for a COI from a Moving Company?

Simply request it directly from the moving company you’ve hired. Many reputable companies will have a streamlined process for generating a COI.

Is a COI Mandatory for Every Apartment Building?

Not always, but it’s a non-negotiable requirement in certain luxury buildings. Always check with your building management to know the specifics.

What Happens if There’s an Insurance Claim During the Move?

If something happens during the move and you must file a claim, the COI is a proof of insurance coverage. It will list the following details, such as policy numbers and coverage types, essential for filing a claim.

What Information is Generally Included in a COI?

The COI includes various details, such as:

  • Name and contact information of the insured (usually the moving company)

  • Description of coverage and policy limits

  • Your apartment building as the certificate holder

  • Effective dates of the coverage

While technically possible, you risk issues, especially if you’re moving into a certain luxury building. You may face delays, fines, or be held responsible for any damages that occur.

What Should I Do After I Receive the COI?

After you receive your COI, check to make sure it contains the following details:

  • Your name and the moving company’s name

  • The type and amount of coverage

  • Effective dates of the policy

  • Any other move details specific to your situation, such as time slots or elevator restrictions

This ensures that everything aligns with what your apartment building requires and what the moving company has promised.

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