A certificate of insurance or for contractors, a builders risk policy, is something we get asked about a lot. A certificate of insurance is a document that we issue to verify the existence of insurance coverage based on specific conditions. The information typically includes the effective date of the policy, the amount of insurance coverage in place, the type of insurance coverage on the policy, and the total liability associated with the policy. These certificates are often demanded for large trucking companies who are delivering or picking up goods. The supplier will almost always demand a certificate of insurance to be presented before any contract is in place. It is also common for large contractors who are undertake municipal or commercial jobs where liability and potential losses are a big concern. In most cases, before you can win the contract you must provided a certificate of insurance.