COI
Retailer installer programs run their vendor compliance through software, not a filing cabinet. Here's what actually needs to be on your certificate to clear it.
Retailer installer networks don't have a person reading your certificate — they have a vendor portal checking it against a spec sheet. A perfectly valid policy still gets you flagged if the document sitting in that portal doesn't match what the system is programmed to look for.
The entity listed as additional insured has to match the retailer's exact corporate name, not a close approximation. Waiver of subrogation language either appears verbatim or it doesn't count. And a certificate that expired last week reads to the system exactly the same as one that never existed — there's no partial credit for "it just lapsed."
Removal work in a pre-1980s building sometimes comes with its own paperwork request — proof of proper asbestos handling procedures, separate from anything on your standard COI. It's a flooring-specific ask that catches installers off guard precisely because it doesn't fit the certificate template they're used to producing.
Every installer program and larger commercial client has a written insurance requirement somewhere — get it before you bid, not after you've already won the job and the clock is running on getting compliant. Our page on what's actually at stake covers what happens when that paperwork isn't ready in time.
Already covered with us? A new certificate for a specific retailer program or property manager is typically a same-day turnaround. New to Floorsurance? See what coverage typically costs, get a quote first, and your first certificate is ready the moment you bind.
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FAQ
Vendor compliance systems often check for exact wording and current dates, not just whether a policy exists — a missing waiver of subrogation or an expired date can trigger an automatic suspension even with genuinely active coverage.
Often yes — each program may want their own certificate naming them specifically as additional insured, since their exact requirements can differ.
Not typically as part of the certificate itself, but some clients ask for proof of proper handling procedures as a separate document for older-building removal work — worth having both ready.
Yes. Tell us the exact legal entity name and we'll structure the endorsement — a routine, standard request.
Typically same-day — issuing a new or updated certificate for an already-bound policy doesn't require requoting, just telling us who needs to be named.
Tell us which retailer programs or property managers you work with — your certificate is ready the moment you bind.