In New York City, buildings often require moving companies to provide a Certificate of Insurance (COI) before allowing movers on the premises. A COI proves that your movers carry sufficient liability, auto, workers’ compensation, and umbrella coverage to protect the property and your belongings.
What Is a Certificate of Insurance (COI)?
A Certificate of Insurance summarizes the insurance policies carried by a moving company. It shows coverage types, limits, and effective dates. When you hire movers, the COI assures building management that any potential damages or injuries during the move are covered.
Key Policies Listed on a COI
- General Liability – covers property damage or injuries caused during the move.
- Automobile Liability – protects against damage from moving trucks.
- Workers’ Compensation – covers mover injuries while working on your move.
- Umbrella Policies – provide extra protection beyond primary coverage.
Why COIs Matter for NYC Moves
Many NYC residential and commercial buildings require a COI before granting elevator reservations or move-in clearance. Without a COI, your move may be delayed or denied. A COI protects building owners from liability and demonstrates that your moving company is professional and insured.
How to Obtain a COI for Your Move
- Check Building Requirements – Ask your building management for their COI requirements (coverage limits, insured parties).
- Hire an Insured Moving Company – Choose a reputable mover like 5 Stars Movers NYC who can provide a COI quickly.
- Request the COI in Advance – Provide your mover with building details (address, building manager name, dates) so they can issue the COI.
- Submit to Building Management – Forward the COI to your building manager for approval ahead of moving day.
Common Misconceptions About COIs
- “I can move without one.” – Many NYC buildings will not allow movers without a valid COI.
- “Any insurance will do.” – Buildings specify coverage limits and must be listed as certificate holders.
- “COIs cost extra.” – Reputable movers provide COIs as part of their service.
Benefits of Choosing a Fully Insured Moving Company
- Peace of Mind – You know your belongings and building are protected.
- Compliance – Movers who regularly work in NYC understand local regulations.
- Efficiency – Experienced movers handle paperwork and logistics so you can focus on settling into your new space.
- Professional Reputation – Hiring insured movers signals reliability and reduces risk.
Final Checklist
- Confirm your building’s COI requirements and reserve elevators.
- Hire a licensed and insured moving company.
- Request and review the COI.
- Submit the COI to building management before move day.
- Keep a copy of the COI for your records.
E‑E‑A‑T Signals
- Experience & Expertise: This article is written by Joseph Raphael, a moving professional at 5 Stars Movers NYC with over a decade of experience handling residential and commercial moves in New York City.
- Authoritativeness: 5 Stars Movers NYC is a licensed and insured moving company known for reliable services across NYC. Learn more about our moving services.
- Trustworthiness: All information is based on current NYC building regulations and industry best practices.
Frequently Asked Questions
Q1: Who issues a Certificate of Insurance?
A1: The moving company’s insurance provider issues the COI to show proof of coverage.
Q2: How long does it take to get a COI?
A2: Reputable movers can usually provide a COI within one business day after receiving your building’s information.
Q3: Does a COI cost extra?
A3: No. Professional moving companies include COIs as part of their service at no additional charge.
Q4: Can I use a COI from a previous move?
A4: No. Each COI is specific to the building, dates, and coverage requirements for your current move.
Q5: What happens if my building rejects the COI?
A5: Provide the rejection reason to your moving company so they can update the COI to meet requirements.
