EXCAVATION INSURANCE GROUP
How Fast Can I Get a Certificate of Insurance?
Excavation Insurance Group explains why COI turnaround is an agency responsiveness question, not a state rule, and what speeds up same-day issuance.
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Quick answer: Turnaround depends on your agency and carrier, not the state, but most Certificates of Insurance can be issued same-day once your policy is active and the requesting party’s information is provided. Excavation Insurance Group treats fast COI turnaround as a core part of the service, because a slow one can cost you the job.
WHAT SPEEDS IT UP OR SLOWS IT DOWN
The fastest path is having your policy active, your Additional Insured requirements clear, and the requesting party’s exact name and address on hand. Delays usually come from the opposite: a policy that needs an endorsement added first, unclear or incomplete AI information, or an agency that isn’t set up to issue COIs outside normal business hours. A blanket Additional Insured endorsement, discussed on the additional insured page below, removes one of the most common bottlenecks entirely.
WHY THIS IS AN AGENCY QUESTION, NOT A STATE QUESTION
There’s no regulatory turnaround requirement for COIs, it’s purely a function of how responsive your agency is. For a contractor who might win a bid on a Friday and need paperwork by Monday, that responsiveness is a real operational factor, not a nice-to-have.
Back to the General Liability Insurance for Excavation Contractors hub. See also: Certificate of Insurance Basics for Excavation Bids.
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