A Certificate of Insurance (COI) is meant to protect property owners, tenants, and vendors during a commercial move. However, misunderstandings around COIs often lead to delays, forced vendor switches, and unnecessary costs.
What Is a COI?
A COI is a document issued by an insurance provider that verifies a moving company’s coverage at the time of service.
Common Required Coverages
- General Liability
- Commercial Auto
- Workers’ Compensation
Is Umbrella Insurance Always Required?
No. In Texas, umbrella insurance is not required when the mover already meets or exceeds stated coverage limits. Some properties allow waivers under these conditions.
Why COI Confusion Happens
- Inconsistent enforcement
- Unclear written requirements
- Preferred vendor programs
- Last-minute rule changes
What Tenants Should Ask
- Are these requirements written?
- Are waivers allowed?
- Are all vendors held to the same standard?
Clear answers prevent costly surprises.
Local Movings provides fully compliant COIs and transparent commercial moving support across Texas.
