Reading a Certificate of Insurance
Everybody asks for one and almost nobody reads it. It takes two minutes and it tells you several useful things.
Get a Free Quote Call (435) 862-3080Around Washington, community associations and buildings routinely require a certificate of insurance from any moving company before granting access. Most people forward it without opening it.
It is worth a look, both for your own sake and because the association may reject it for a reason you can fix.
Just-In-Time Moving works throughout Washington and Washington County. We are licensed in Utah and carry general liability insurance, and provide certificates on request.
What the document is
A summary issued by an insurance broker confirming that policies exist, who they cover, what types, what limits, and the dates they run. It is evidence of cover rather than the policy itself.
It is not a contract and it does not itself give you rights under the policy, which is why the details on it matter.
What to check
The named insured. This should be the company you actually hired. If the certificate names a different business, ask why before going further, because that is the arrangement most likely to leave nobody accountable.
The policy dates. Cover must be current on your moving day, not merely current today. Certificates get reused, and an expired one is the commonest reason an association refuses access.
The types of cover listed. General liability is the one associations care about, since it responds to damage to the building, gates and common areas. You may also see auto liability and workers' compensation.
Workers' compensation is worth noticing for your own sake: it is what covers the crew if somebody is injured on your property.
The limits. Associations frequently specify a minimum, and a certificate below it will be rejected.
The certificate holder. Many associations require themselves named as the holder, and sometimes as an additional insured. That is a specific request the broker must action; it cannot be added by writing it on.
How to avoid the usual delay
Ask the association exactly what they require, in writing, and pass that to the moving company at booking rather than the week of the move.
Broker processing is the slow part, and additional insured endorsements take longer still. This holds up more moves around here than anything else.
What it does not cover
Your belongings. That is valuation, a separate question, and its basic level is settled by weight rather than value.
Call (435) 862-3080 or email office@movingjustintime.com.
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Frequently Asked Questions
What should I check on a certificate?
That the named insured is the company you hired, that the policy dates cover your actual moving day, which types of cover are listed, that the limits meet what the association specified, and who is named as certificate holder.
Why do associations reject certificates?
Most often expired dates from a reused document, limits below the specified minimum, or the association not being named as certificate holder or additional insured, which the broker must action rather than being written on.
Does it cover my belongings?
No. General liability covers damage to property such as the building, gates and common areas. Cover on your own goods is valuation, a separate question, and its basic level is settled by weight rather than value.
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