A Certificate of Insurance (COI) is a one-page summary your insurance carrier issues showing the coverage your business currently has in force. It doesn't replace the actual policy — it's proof the policy exists and is active.
Siding work adds a wrinkle most trades don't deal with as often: ladder and scaffold work at height, on nearly every job, which is exactly the kind of exposure a homeowner's own insurer — or an underwriting GC — will look at closely before letting your crew on a two-story wall.
Most homeowners and GCs look for the same core things: adequate general liability limits, workers' comp if you have employees, and sometimes a request to be named as an "additional insured" for the duration of the job — but for siding specifically, don't be surprised if height and fall exposure gets a direct question.
If you work through a manufacturer program, keep in mind that proof of proper licensing and insurance is often part of what keeps a warranty registration valid in the first place — an uninsured or improperly documented install can complicate a homeowner's ability to make a warranty claim later, which reflects on you even after the job's done.
This article is general information, not insurance advice. Talk to a licensed broker about the specific coverage and limits that make sense for working at height and for the volume of siding work you take on.
Work orders, crew, compliance, and invoicing — built for siding contractors, not lawyers.
Start Free Trial