Does Your Building Require a COI? A Step-by-Step Guide

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Do you need a COI for your moving company? Movers have been asked by legal counsel to provide a COI before they can move anything, which is creating an unexpected burden on the small business. This article provides step-by-step instructions that explain how to file a COI and get it approved so you’re ready when those boxes start coming off trucks.

A COI certificate holder is a person who has been issued a COI by the Department of Consumer Affairs. A coi certificate holder must have a valid driver’s license and be at least 18 years old. The applicant will need to provide personal information such as their name, address, phone number, and email address.

A certificate of insurance (COI), as used in the moving business, is a record that verifies insurance coverage in case the building is damaged during the transfer. 

A COI shouldn’t be challenging if you’ve hired a reliable moving company. The degree of covering that the structure requires is the most important element to examine. Then, it is your duty to ensure that the moving company can provide this degree of protection. Normally, it is $2 million in coverage, but certain opulent structures need more.

How to Continue

  • First, speak with the building management firm and get a sample COI from them. 
  • Step 2: After deciding on a moving firm, provide them with this example of the COI for the starting and ending buildings, if necessary. Typically, the moving company can manage things from here.
    • A COI is used to legally safeguard structures from harm while moving objects through doors and passageways. Moreover, the COI provides evidence of workers’ compensation. This implies that the building is protected in the event that a mover is hurt on the job.
  • Step 3: A “Hold Harmless” or an Indemnity Agreement is the last thing that some buildings want. This usually involves both the moving firm and the building administration, so that if anything unexpected happens, everyone is covered. Not all structures call for this. Make sure your moving company can provide it if your building has it. 

The value of a COI

In the most basic sense, particularly in NYC, moving into or out of many buildings is impossible without a COI. The policy limit is what distinguishes COIs the most from one another. Up to $2 million may be covered by smaller businesses (as mentioned above). There will be some premium structures that need $10 million in insurance. The secret is to stay in touch with the building management and the moving firm. 

TIP: Even if your building may not need $10 million in coverage, it’s always a good idea to inquire. Realistically, having confidence in the moving business you choose to transport your treasured goods comes from knowing they can enter ultra-luxury properties. 


Reservations for the elevator and other limitations

Some structures need for a COI the day before the relocation. Some people, however, need the COI weeks in advance in order to simply schedule service elevators. To ensure you obtain the proper time window, we advise making an elevator reservation in advance. 

This will make it much simpler to deliver products on time and within the limits of the elevator at the destination. If you don’t, you can be charged for leaving either facility after hours. 

Other building constraints to take into account while relocating include the days of the week. Many upscale buildings don’t permit movements on Sundays or during the weekend in general. Simply ask your building management firm these questions. Finding the appropriate moving company should be simple if you have the correct information. 

Gratitude for reading!


Related Tags

  • do i need a coi if i move myself
  • certificate of insurance moving template
  • certificate of insurance moving cost
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Christina Brown
Christina Brown

Christina Brown is a professional moving guide specialist. She is a self-proclaimed expert in moving and has been writing for the last 5 years about different topics related to it. Her articles are informative, helpful, and filled with opinionated points of view that make you reevaluate how you think about relocating. If you face any problem don't hesitate to contact her at

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