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What is an insurance certificate for moving (COI)

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Suppose you plan to move in or out of an apartment complex or condo. In that case, the building’s management might require your moving company to submit a certificate of insurance to cover the cost of moving (COI) before being permitted to enter the building. Whatever the reason, whether you’re moving in or out, this is required. The past was when the request for COI was a common practice in higher-end, larger properties. However, over the last several years, it has been more typical for brownstones and smaller structures to ask for the certificate.

Before making plans for your move, check with the building’s management if they require COI from the company you are considering. The most effective method is to ask about a COI when you schedule your move and to be prepared to ensure your relocation goes without a hitch. The COI will not set you back any cash. A moving company has to provide insurance-free moving certificates to all customers.

Whose responsibility is to provide an insurance certificate?

Property managers usually require movers’ certificates of insurance from the moving companies to ensure their properties’ safety during the relocation process. This is because there is a risk of a building being damaged while moving items within it. Reputable and trustworthy moving companies will provide a certificate proving their insurance. To request the COI, the customer must contact the company moving them to provide additional information and have the COI for moving made.

Insurance certificates are something that the majority of rental houses and building management organizations in metropolitan areas of the United States demand prospective tenants to provide before they would allow them to move into. The landlord isn’t responsible for any damages caused by the tenant when they move in.

A moving certificate of insurance is used to identify the purpose of the insurance

The certificate of insurance is a document issued by the insurance company that services the moving firm. The COI for Moving proves that the company carrying out the move is insured and outlines the coverage. The building’s management is aware that moving furniture or other items might occasionally result in inadvertent damage. To ensure that the company moving is adequately protected, the building administration may request documents and proof of insurance for movers.

Two goals can be achieved through the movement of COIs. They compress information about various insurance options into only one or two pages. They also shield the listed parties from legal responsibility if an incident occurs due to the relocation. ACORD is a common form of COI. ACORD shape is often the most popular structure for COIs. The form contains vital information, including a summary of your mover’s insurance policies. The conditions of the policy will govern how the policy will be applied in the case of a claim being made.

The content of the Certificate of Insurance

  • Automotive Insurance.
  • Occupational Diseases and Injuries.
  • Protection against legal obligations
  • Umbrella Coverage.
  • Cargo Insurance.

Most building managers require coverage of at least 2 million dollars. However, certain structures like landmarks and large condos may require greater coverage. It is important to verify that the COI NYC moving company is authorized to pay the amount required.

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How do you get an insurance certificate from the moving company?

Obtaining a Certificate of insurance free of charge is possible. If you are moving into a condominium or apartment complex, it is important to inquire with the building management about whether the COI is needed and the required level of coverage. If the building management requires COI, contact your moving company to obtain the required information. The COI’s requirements for compliance must be met:

  • The name of the supervisor of the building’s management.
  • Information about how to connect with the management of the building, including email addresses, office telephone numbers, fax lines, and more.

The procedure for issuance of the COI might take several hours to be completed. If the COI is required prior to the move or on the day, request it ahead. Then, moving insurance in NYC may be provided to the consumer or handed directly to the management of the building. The COI request at the time of booking is recommended by many customers as a good method to avoid any issues on the day of the move.

It’s possible that the COI hasn’t been issued yet, and the movers are not allowed entry to the facility. This could be the most unfavorable thing that could happen. Due to this delay, relocating will take longer than expected, and further fees will need to be paid to cover the extra working time. Moving is a laborious task that may even be risky if not done properly. Moving is a risky enterprise. There is always the chance that something could be damaged or someone may get hurt. A valid certificate shows that the moving company has the resources to protect itself against future liability claims. Businesses that offer moving services and do not have insurance do not protect their clients, themselves, or their staff.

A helpful hint A helpful tip: even if the management of your property does not demand a certificate of insurance from your moving provider, you should still make an effort to get one. If the company you hire to move your belongings cannot give you an insurance policy, it probably suggests that they do not have insurance. This is a significant warning.

Kossi Adzo is the editor and author of He is software engineer. Innovation, Businesses and companies are his passion. He filled several patents in IT & Communication technologies. He manages the technical operations at

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