Moving in New York City requires not only careful packing and planning but also compliance with building and insurance regulations. A Certificate of Insurance (COI) ensures that your moving company is properly insured, protecting both you and the property owner. Below we explain why a COI matters and how to secure one for your move.
Understand What a Certificate of Insurance (COI) Is
A COI is an official document provided by a moving company’s insurance carrier. It outlines the types and limits of coverage, such as general liability and workers’ compensation. This certificate demonstrates that your movers are insured and meet the requirements of building managers.
Why a COI Matters for Your NYC Move
Protection Against Damages: If any damage occurs during your move, a COI verifies that the mover’s insurance can cover the costs.
Building Requirements: Many high-rise buildings in NYC require proof of insurance before granting access to elevators or loading docks. Presenting a COI prevents delays on moving day.
Verification of Legitimacy: A COI confirms that your movers operate legally and adhere to local regulations.
How to Obtain a COI for Your Move
- Ask Your Movers Early: Contact your moving company a few weeks before the move and request a COI. Provide building management’s details if specific language or coverage limits are required.
- Confirm Building Requirements: Ask your property manager about their insurance requirements, including coverage amounts and additional insured parties. Share these details with your movers.
- Review the Document: When you receive the COI, check that it lists the correct building address, date of move, and coverage limits. Keep a copy for your records.
Common Misconceptions About COIs
Some people assume that any mover can provide a COI instantly. In reality, not all movers carry the right insurance, and generating the certificate can take a few days. Always confirm your mover’s insurance status before booking.
Benefits of Choosing a Fully Insured Moving Company
Working with a properly insured moving company like 5 Stars Movers NYC gives you peace of mind. You gain protection against liability and avoid unexpected delays due to compliance issues. Get a free quote today.
Final Checklist
- Verify building COI requirements.
- Request a COI from your moving company at least two weeks before your move.
- Review the COI for accurate details and proper coverage.
E-E-A-T Signals
Author: Joseph Raphael – Moving industry expert with 10+ years of experience in NYC.
Brand: 5 Stars Movers NYC – Licensed and insured moving company.
Evidence: Links to our packing services and moving labor help, which demonstrate our professional credentials.
Frequently Asked Questions
Do all buildings in NYC require a COI?
Many residential and commercial buildings require a COI, especially in Manhattan. Check with your building management.
How far in advance should I request a COI?
Request a COI at least 1–2 weeks before your move to allow time for processing.
What information does a COI include?
It lists the insurer, policy number, coverage types, coverage limits, and the names/addresses of any additional insured parties.
Can I move without a COI?
If your building doesn’t require a COI, you might, but it’s risky; you’d have no proof of insurance coverage in case of damage.
Are there fees for obtaining a COI?
Most reputable movers provide a COI free of charge as part of their service.
