Do junk removal companies provide a certificate of insurance?

What COI Means

A Certificate of Insurance (COI) is documentation proving a contractor or vendor carries valid liability insurance. Commercial buildings, property managers, and facility owners typically require COI before allowing vendors to work on their premises.

Junk Nurse’s Coverage

• $1M general liability coverage
• Commercial auto coverage
• Workers compensation
• Additional insureds named on request

When You’ll Need a COI

Office Buildings

Almost always required. Building management wants documentation that vendors are covered.

Mall and Retail Centers

Required for all after-hours and freight elevator work.

Property Management Companies

Standard for ongoing accounts.

HOA-Managed Communities

Often required for any commercial vendor working in common areas.

Apartment Complexes

Required by most major management companies.

Residential Jobs

Not typically required, but available on request.

How to Request a COI From Junk Nurse

1. Tell us during booking that COI is required
2. Provide the building owner / additional insured details
3. We email the COI to you and the building manager before the work date
4. No additional charge

Common Additional Insured Requests

• Building owner / landlord
• Property management company
• Parent corporation
• General contractor (for renovation work)

Higher Coverage Requirements

Some facilities require:

• $2M aggregates
• Waiver of subrogation
• 30-day cancellation notice
• Specific endorsements

Junk Nurse accommodates standard commercial requirements. For unusual requirements, discuss during scheduling.

Why $1M Is Standard

$1M per occurrence is the typical baseline for commercial vendor work in Illinois. Covers most realistic incident scenarios. Higher coverage requirements signal specialized work or high-value facilities — communicate these needs up front.