Why Handymen Need a Certificate of Insurance for Jobsite Work
- Nate Jones, CPCU, ARM, CLCS, AU
- 2 hours ago
- 2 min read
For handymen, having the right insurance isn’t just about protection, it’s also about proving it. Many clients, general contractors, and property owners require a Certificate of Insurance (COI) before allowing work on-site.
A COI serves as proof that your business carries valid insurance, giving clients confidence in your professionalism and protecting your business from potential liability.
What Is a Certificate of Insurance?
A Certificate of Insurance is a document issued by your insurance carrier that:
Confirms your insurance coverage is active
Lists coverage types (e.g., general liability, workers’ compensation, commercial auto)
Shows policy limits and expiration dates
Names additional insureds if required
It’s a summary document, not the full policy, but it’s typically what clients or contractors request to verify coverage.
Why Handymen Often Need a COI
Handyman businesses work on client sites, which exposes both the contractor and the client to risk. A COI is required to:
Meet client requirements: Many homeowners or commercial clients will not allow work without proof of insurance.
Comply with contracts: General contractors often mandate COIs for subcontractors to reduce liability exposure.
Protect your business legally: A COI ensures you are recognised as insured in case of incidents or accidents on-site.
Show professionalism: Providing a COI demonstrates your business is legitimate and prepared.
When a COI Is Required
A COI is commonly required when:
Working on commercial projects or multi-unit buildings
Subcontracting under a general contractor
Performing work on client property with high liability exposure
Using client-owned tools or vehicles
Without a COI, you may lose job opportunities or breach contract requirements.
How to Get a Certificate of Insurance
Most insurance carriers can issue a COI quickly. To get one, you generally need to provide:
Your policy information
The client or additional insured’s name and address
Any contract-specific insurance requirements
Expiration date and coverage limits requested
Wexford Insurance makes this process fast and easy for handymen.
How Wexford Insurance Helps Handymen
Wexford Insurance specialises in contractor coverage and helps handymen:
Obtain Certificates of Insurance quickly
Ensure coverage meets client and state requirements
Tailor liability, workers’ comp, and commercial auto coverage to your services
Compare multiple carriers to get affordable, comprehensive insurance
Conclusion
For handymen, a Certificate of Insurance is more than paperwork—it’s proof of professionalism and protection. It ensures compliance with contracts, reassures clients, and safeguards your business in case of accidents or property damage.
Working with Wexford Insurance guarantees your handyman business can easily obtain COIs, maintain proper coverage, and confidently take on any job.
