Property Restoration Companies Certificate of Insurance
A certificate of insurance is your proof of coverage — the document that clients, contractors, and property owners require before you start work. We deliver COIs for property restoration companies within 24 hours with all required endorsements.
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A certificate of insurance for property restoration companies is issued on the ACORD 25 form — the industry standard for verifying liability coverage. It proves your insurance is active, shows your policy limits, and identifies parties protected by your coverage.
For property restoration companies classified under ISO GL class code 91580 (Restoration/remediation contractors) (GL) and NCCI 5474 (Painting — including restoration) or 5606 (Contractor — executive supervisor) depending on operations (WC), your COI must accurately reflect these classifications and corresponding limits. (Source: ACORD, NCCI, ISO)
What must your Property Restoration Companies COI include?
GL section: Policy on ISO CG 00 01 (Commercial General Liability — Occurrence Form) (occurrence form) with per-occurrence and aggregate limits. Additional insured endorsements CG 20 10 (Additional Insured — Owners, Lessees or Contractors — Scheduled), CG 20 37 (Additional Insured — Owners, Lessees or Contractors — Completed Operations), and CG 20 26 (Additional Insured — Designated Person or Organization) must be referenced by form number.
WC section: Statutory coverage in all operating states plus employers liability limits. Your NCCI 5474 (Painting — including restoration) or 5606 (Contractor — executive supervisor) depending on operations classification determines coverage scope.
Endorsements: Waiver of subrogation (CG 24 04 (Waiver of Transfer of Rights of Recovery Against Others to Us)), primary/noncontributory (CG 20 01 (Primary and Noncontributory — Other Insurance Condition)). Each must be actually attached to the underlying policy — not just listed on the certificate.
Critical: A COI does not create coverage — it reports what your policy includes. If an endorsement is listed on the COI but not attached to the policy, it will not respond to a claim.
Who Requires COIs from Property Restoration Companies?
- General contractors and project owners — specific limits, AI endorsements, primary/noncontributory
- Landlords and property managers — lease compliance, premises liability naming
- State licensing boards — proof of coverage for licensure or renewal
- Lenders and financial institutions — loan and financing conditions
- Direct clients — proof of coverage before service agreements
What regulatory compliance applies to Property Restoration Companies?
OSHA 29 CFR 1926.1101 (asbestos in construction), 1926.62 (lead exposure), 29 CFR 1910.134 (respiratory protection), and IICRC S500/S520 standards for water damage restoration and mold remediation
Non-compliance with these standards affects both your operating authority and your insurance program — carriers evaluate regulatory compliance during underwriting. Documented compliance programs access preferred pricing tiers, while OSHA citations can trigger premium surcharges or non-renewal.
Coverage Axis monitors regulatory changes affecting property restoration companies and proactively notifies clients when new requirements impact their insurance programs.
What COI mistakes cost Property Restoration Companies business?
Certificate of insurance errors are the most common cause of project delays and lost contracts for property restoration companies:
Wrong entity name. The certificate holder and additional insured names must match the exact legal entity in the contract. “ABC Properties LLC” and “ABC Properties Inc” are different entities requiring different endorsements.
Missing endorsement references. A COI that says “additional insured” without referencing the specific ISO form number (CG 20 10, CG 20 37) does not prove the endorsement exists on the underlying policy.
Expired certificates. property restoration companies with multiple certificate holders often let COIs lapse because they rely on manual tracking. Automated certificate management eliminates this risk.
Assuming the COI creates coverage. A certificate reports what your policy includes — it does not create coverage. If an endorsement is listed on the COI but not attached to the policy, it will not respond to a claim.
More Property Restoration Companies Insurance Resources
- Property Restoration Companies Insurance Guide
- Property Restoration Companies Insurance Costs
- Property Restoration Companies Insurance Requirements
- Best Insurance Companies for Property Restoration Companies
- Workers Compensation for Property Restoration Companies
- Umbrella / Excess Liability for Property Restoration Companies Coverage
- Warehouse Legal Liability for Property Restoration Companies Insurance
Get Your Property Restoration Companies Certificate Fast
Coverage Axis issues property restoration companies certificates within 24–48 hours with ongoing management that keeps every COI current. Verified, compliant, and tracked across all holders. Stop losing contracts over COI issues.
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What's on Your Certificate
Hired and Non-Owned Auto Liability
Facility service crews traveling between client locations in company or personal vehicles need hired and non-owned auto coverage shown on the COI. Property managers verify this coverage because your employees driving to and from their properties creates vicarious liability for vehicle accidents that occur during the commute between service locations.
Blanket Additional Insured for All Client Sites
Facility service companies serving dozens of client locations benefit from a blanket additional insured endorsement that your COI can reference. This automatically extends additional insured coverage to any client required by written contract — eliminating the need for individual endorsement requests each time you add a new client location.
Key Holder / Bailee Liability Coverage
Facility service COIs must confirm coverage for property in your care, custody, or control — including key holder and bailee liability. Standard GL excludes property you are working on or have in your possession. A separate endorsement or inland marine policy is needed to cover damage to client property, building keys, access cards, and security codes entrusted to your company.
Chemical Liability and Pollution Endorsement
Janitorial and cleaning companies using industrial chemicals must show pollution or chemical liability coverage on their COI. Standard GL excludes pollution, and chemical-related damage to client property (discoloration, corrosion, fume damage) falls within the pollution exclusion. Your certificate must demonstrate that chemical application risks are insured.
Employee Dishonesty Bond
Property managers require proof of employee dishonesty coverage because your staff operates inside client buildings, often after hours and unsupervised. Your COI must show a fidelity bond or commercial crime policy with limits adequate for the client's property exposure. This is typically the first item commercial property managers verify on a facility service COI.
WHO NEEDS YOUR COI
Common Certificate Holders
School Districts and Government Buildings
Public entities require COIs meeting government insurance standards, which include background check verification for employees accessing school buildings, higher liability limits than private sector clients, and specific endorsements for public property damage and governmental immunity provisions.
Healthcare Facilities
Hospitals, medical offices, and senior care facilities require COIs from cleaning and maintenance companies with additional requirements for infection control compliance, HIPAA awareness (if accessing patient areas), and specific chemical product approvals for use in healthcare environments.
Commercial Property Managers
Property managers are the primary COI requesters for facility service companies. Their requirements focus on employee dishonesty bonds (because your staff has building access), chemical liability coverage, and additional insured status naming both the management company and the property owner as certificate holders.
HOA and Condominium Boards
Homeowner associations and condominium boards require COIs from landscaping, janitorial, and maintenance companies. HOA requirements are typically less sophisticated than commercial requirements but often include specific slip-and-fall liability limits and proof of workers compensation for crews working on common areas.
Building Owners and Landlords
Building owners require COIs from every service company accessing their property. Owner requirements often duplicate or exceed management company requirements, creating situations where you need multiple certificates for the same building — one for the manager and another for the underlying ownership entity.
COVERAGE COSTS
What does each coverage cost for Property Restoration Companies?
Dollar ranges for every coverage type, with the underwriting drivers that move premium up or down.
WHY COVERAGE AXIS
Why Coverage Axis
Insurance Carriers
Access to a broad network of A-rated carriers competing for your business — your advisor handles the rest.
COI Turnaround
Certificates and additional insured endorsements delivered the same day you need them.
Years of Experience
Our advisors specialize in commercial insurance — we understand your industry inside and out.
Cost to You
Getting a quote is always free. No hidden fees, no obligation — just straightforward coverage advice.
YOUR ADVISOR
Chris DeCarolis
Senior Commercial Insurance Advisor
Chris DeCarolis is a Senior Commercial Insurance Advisor at Coverage Axis. His experience in commercial risk placement started in 2007. He has helped contractors, trades, and specialty businesses build coverage programs that fit their operations — specializing in general liability, workers comp, commercial auto, and umbrella programs for high-risk industries. Chris holds a Florida 220 General Lines license (G038859) and is a graduate of Brown University.
COMMON QUESTIONS
Frequently Asked Questions
A facility service COI summarizes your GL, WC, auto, employee dishonesty, and chemical liability coverage for property managers and building owners who grant your company building access and keys.
Yes. Property managers require proof of employee dishonesty or fidelity bond coverage because your staff operates inside client buildings, often after hours and unsupervised. This is typically the first item commercial property managers verify.
Yes for companies using industrial cleaning chemicals. Standard GL excludes pollution, and chemical damage to client property falls within that exclusion. Your COI must show pollution or chemical liability coverage specific to your cleaning operations.
Coverage Axis delivers facility service COIs within 24 hours and provides ongoing certificate management that tracks renewal dates across all your client locations automatically.
Often yes — each building owner or property manager may require their specific entity named as certificate holder and additional insured. A blanket additional insured endorsement simplifies this by automatically extending coverage to any client required by written contract.
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