Insurance & COI Requests

Hauling carries real liability — a 14,000 lb loaded trailer moving through a residential street isn't a small thing. We carry full commercial coverage because we should, and because customers like HOAs, property managers, and commercial clients require it before letting us on the property.

1. Our coverage

Policies are placed through a Florida-licensed commercial insurance broker. Coverage is current and in force.

2. What's covered

• Property damage caused by us during delivery, hauling, or pickup (e.g., we hit your gate). Not damage to surfaces or structures at a placement spot you approved — see Service Agreement section 6.
• Bodily injury to third parties at the work site, including operator and bystander coverage.
• Vehicle accidents involving the truck or trailer in transit.
• Cargo/load coverage for materials being transported between sites.
• Completed-operations coverage for issues that arise after we've left the job.

3. When you might need a Certificate of Insurance

A Certificate of Insurance (COI) is a one-page document that proves our policies are current. You might be asked to provide one if:

• You're a property manager or HOA requiring proof of contractor insurance before work on common areas.
• You're a commercial property owner (office building, retail, restaurant) with vendor insurance requirements.
• You're a general contractor hiring us as a subcontractor for a job site.
• Your homeowner's insurance requires it before allowing contractor work.
• You're a government / municipal client (city, county) with procurement requirements.

For most residential cleanouts, you don't need a COI. It's free to request one anyway.

4. How to request a COI

Email or text us the request. We need 4 pieces of information:

1. Certificate Holder name and address. This is the entity requiring the COI (the HOA, property manager, GC, etc.). Their legal name and mailing address.
2. Job address. Where the work is taking place.
3. Job date(s). When the work is scheduled.
4. Any specific requirements. Some certificate holders require things like "Certificate Holder listed as Additional Insured" or specific coverage minimums. If you have a sample COI or written requirements, attach those.

5. Processing time

• Standard requests: 24 business hours from when we have all 4 pieces of info.
• Same-day rush: Possible if requested before noon on a weekday. Email or text first to confirm — we may need to escalate with our broker. No additional fee.

The COI is delivered by email as a PDF directly from our insurance broker. We CC you on the email so you have it in your records.

6. What a COI does NOT do

A few things worth clarifying:

• A COI is evidence of insurance on the date issued. It is not a contract and does not amend the policy.
• A COI does not obligate the insurer to defend or indemnify the certificate holder unless they are specifically listed as Additional Insured.
• "Additional Insured" status is a separate request that may require a policy endorsement. Let us know upfront if you need it.

7. Sample COI for your reference

If you'd like to see what our standard COI looks like before requesting one, email us and we'll send a sample (with the certificate holder field blank). Useful if you want to forward to your property manager or HOA for pre-approval.

8. Annual policy renewal

Our policies renew annually. If your job spans a renewal date and the certificate holder requires up-to-date proof on the job day, contact us and we'll issue an updated COI.