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Minnesota Certificate of Insurance for Contractors

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Certificate of Insurance

Covering General Liability and Property Damage

Construction Codes and Licensing Division

Licensing and Certification Services

443 Lafayette Road North

St. Paul, MN 55155

Mailing Address:

PO Box 64217

St. Paul, MN 55164-0217

E-mail: dli.license@state.mn.us

Web Site: www.dli.mn.gov

Phone: (651) 284-5034

PRINT IN INK or TYPE your responses.

Unreadable or illegible certificates will be denied.

This is to certify that the insurance policy listed below has been issued to the named insured for the policy period indicated and that the policy meets the minimum coverage requirements applicable under Minnesota Statutes, section 326B.86, Subd. 2.

Form must be completed by the insurance agent or insurance company, not by the business/contractor.

LICENSE TYPE

LICENSE NO (if applicable)

POLICY NUMBER (pending is not acceptable)

INSURED

Use the person(s) name if business structure is sole proprietor or partnership (i.e., John Doe, or John Doe and Jane Doe), otherwise the insured is the legal name of the business entity.

FROM (mm/dd/yyyy)

TO (mm/dd/yyyy)

Insurance policy meets the minimum statutory requirements.

STATUTORY REQUIREMENT

Policy provides commercial general liability insurance, which includes premises and operations insurance and products and completed operations insurance, with limits of at least $100,000 per occurrence, $300,000 aggregate limit for bodily injury, and property damage insurance with limits of at least $25,000 or a policy with a single limit for bodily injury and property damage of $300,000 per occurrence and $300,000 aggregate limits.

This certificate or memorandum of insurance does not affirmatively or negatively amend, extend, or alter the coverage afforded by the insurance policy.

DBA NAME (Doing business as name / assumed name – if applicable)

STREET ADDRESS (no PO Box)

CITY

STATE

ZIP CODE

MAILING ADDRESS (if different from above – PO Box accepted)

NAME OF INSURANCE COMPANY

NAIC ID

CITY

STATE

ZIP CODE

INSURANCE AGENT’S NAME (Print)

Data Practices Notice

Minnesota law requires that contractors licensed by the Minnesota Department of Labor and Industry, Construction Codes and Licensing Division maintain on file with the Commissioner a certificate evidencing compliance with the liability insurance requirements prescribed in the applicable statute. Data provided on this form is used to determine compliance with the applicable Minnesota law and becomes public upon the issuance and/or renewal of the license.

Cancellation

Independent of this certificate, the policyholder notified the issuing company pursuant to M.S. 60A.36 to add an endorsement to the policy to provide notice to the department of labor and industry if the issuing company cancels or non-renews the policy subject to the terms of the policy. Notwithstanding the expiration date set forth in this certificate, should this policy be canceled before the expiration date, the issuing company shall send written notice to the Certificate Holder at the same time that a cancellation request is received from or notice is sent to the insured.

MN INSURANCE AGENT’S LICENSE NO.

Resident

Non-resident

NAME OF INSURANCE AGENCY/CO.

PHONE NUMBER

ADDRESS

CITY

STATE

ZIP CODE

INSURANCE AGENT’S SIGNATURE

DATE

OFFICE USE ONLY

Date of DLI Receipt

Certificate Holder

Minnesota Department of Labor and Industry

CCLD Licensing and Certification Services

443 Lafayette Road North

St. Paul, MN 55155

This insurance form has been filed with the Minnesota Department of Commerce pursuant to Minnesota Statutes, section 60A.39, Subd. 5.

CC 0512 – Building Contractor or Remodeler

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What the Minnesota Certificate of Insurance for Contractors Is

A Minnesota Certificate of Insurance for Contractors is a concise document issued by an insurer or its agent that verifies coverages held by a contractor. It typically lists insurer names, policy numbers, coverage types (general liability, workers' compensation, auto, umbrella), limits, effective and expiration dates, and designated certificate holder information. Project owners, public agencies, and general contractors commonly request the certificate before permitting work onsite or issuing payment. The certificate itself is not the insurance policy but provides a snapshot of coverages and any endorsements such as Additional Insured status or waiver of subrogation.

Why a Proper Certificate Matters for Contractors

A correct certificate demonstrates compliance with contract and procurement insurance requirements, reduces dispute risk, and helps owners confirm that required limits and endorsements are in place before work begins.

Why a Proper Certificate Matters for Contractors

Who handles and relies on these certificates

Several parties create, review, or receive a contractor's Certificate of Insurance during bidding, mobilization, and project closeout.

  • General contractors and subcontractors: request and provide certificates to meet contract obligations and manage downstream risk.
  • Project owners and agencies: verify coverage types, limits, and Additional Insured endorsements prior to access or payment.
  • Insurance brokers and carriers: issue certificates and note policy changes, cancellations, and endorsements on behalf of insureds.

Each party has different priorities: accuracy for owners, proof for contractors, and risk verification for insurers and brokers.

Typical signers and stakeholders

Prime Contractor

Project-level risk manager or compliance lead who assembles COIs from subcontractors, confirms required limits and endorsements, and flags missing documentation for contract compliance.

Project Owner

Owner or owner's representative who reviews the certificate to confirm Additional Insured status and minimum limits; may reject work or withhold payment if certificate does not meet contract terms.

Security and compliance checkpoints to note

Encryption: TLS 1.2/1.3 in transit; AES-256 at rest
Audit Trail: Timestamped signing history and IP metadata
HIPAA / BAA: BAA available where PHI involved
Regulatory Standards: ESIGN and UETA legal compliance
Access Controls: Role-based permissions and SSO options
Retention: Exportable records and document history

Consequences of an incorrect or missing certificate

Contract Termination: Loss of contract award
Liability Exposure: Uninsured obligations on the contractor
Work Delays: Site access withheld
Financial Withholding: Payments retained by owner
Bid Disqualification: Ineligibility for future bids
Legal Disputes: Increased litigation or indemnity claims

Common errors that cause rejections or disputes

  • Incorrect insured name or DBA listed instead of the legal entity, causing a mismatch with contract language and possible TIN or insurance lookup failures.
  • Missing endorsements or absence of 'Additional Insured' status when the contract requires it, leaving the contract holder without direct rights under the policy.
  • Coverage limits shown that are below the contract minimums or that exclude project-specific exposures such as pollution or completed operations.
  • Expired policies or certificates issued before the policy effective date, leaving gaps in coverage during mobilization and critical activities.

Essential elements that a professional certificate includes

A complete Certificate of Insurance for contractors should clearly present policy-level details and endorsements so owners can assess suitability without reviewing full policies.

Insurer Identity

Name of issuing carrier and broker contact information so the certificate recipient can verify coverage directly with the insurer or agent.

Policy Identifiers

Policy numbers for each coverage line, enabling cross-checks against carrier records and confirmation of active status.

Coverage Types

Lines listed (general liability, workers' compensation, automobile, umbrella) so project-specific risks are visible at a glance.

Limits and Sublimits

Per-occurrence and aggregate limits, and any sublimits that could affect recovery for construction defects or bodily injury claims.

Endorsements

Additional Insured, Waiver of Subrogation, Primary/Noncontributory clauses when applicable and required by contract.

Effective Dates

Policy inception and expiration dates and any retroactive or extended reporting period details that affect coverage.

Step-by-step: preparing and delivering a certificate

Follow a short checklist to obtain a compliant certificate, verify content, and submit it to the contract holder before starting work.

  • 01
    Gather policy details: Collect insurer, policy numbers, limits, and endorsement proofs.
  • 02
    Request certificate: Ask your broker or carrier to issue a COI naming the certificate holder.
  • 03
    Verify requirements: Compare limits and endorsements to the contract's insurance provisions.
  • 04
    Deliver and retain: Send certificate to owner and store a copy with project records.

How electronic certificates fit into contractor workflows

Digital delivery accelerates verification and reduces paper handling while creating an audit trail for compliance reviews.

  • Issue electronically: Broker generates a COI PDF or e-certificate from policy data.
  • Authenticate signer: Carrier or authorized agent signs and timestamps the certificate.
  • Send to recipient: Certificate delivered by email, portal, or signing platform.
  • Archive with audit: Store signed file and metadata for future verification.

Digital setup checklist for issuing and tracking certificates

Configure fields and recipient controls so certificates are correctly populated, authenticated, and archived for each project.

Field Configuration
Signer Authentication Email link, SMS code, or higher assurance
Conditional Fields Show endorsements only if required
Template Library Save project-specific certificate templates
Retention Rules Automated archival and export settings

Technical compatibility and integrations

Consider integrations and file support when choosing a digital process for certificates.

  • Integrations: Salesforce, NetSuite, Procore connections
  • File formats: PDF, DOCX, Excel supported
  • Authentication: Email, SMS, SSO options

Typical timing and submission checkpoints

Certificates are usually required at contract execution and may need renewal or updates during the project life cycle.

Before mobilization:

Provide a current COI before starting onsite work.

At contract signing:

Submit COI with executed contract documents.

Renewals:

Replace COI before policy expiration to avoid coverage gaps.

On insurer change:

Deliver an updated COI immediately when carriers change.

Upon owner request:

Supply verified certificate within reasonable business days.

Real-world examples of digital certificate use

Examples show how digital signing and centralized certificate management reduced friction for project teams and owners.

Optica Ventures LLC — COO

A small developer automated certificate collection to avoid manual follow-ups.

  • The interface is easy for customers.
  • "The interface is simple and easy-to-use for our team; more importantly, it is just as easy for our customers."

Martin Properties — Founder

A regional property manager moved COI handling online to speed leasing and renovations.

  • Mobile signing improved turnaround.
  • "I can process and execute all of these documents online with 100% compliance and built-in security. Whether on mobile or working offline, I can get forms back to their necessary parties efficiently."

Practical tips for accurate and efficient certificates

Use consistent templates, automate renewals where possible, and confirm endorsements in writing to reduce disputes and downtime.

Standardize templates
Create project-specific templates with prefilled certificate holder and contract language to prevent omissions.
Automate renewal reminders
Set alerts for policy expirations to avoid coverage gaps during critical phases.
Verify endorsements
Request a scanned copy of the endorsement page when Additional Insured or waiver language is required.
Keep audit logs
Record issuance, delivery, and any updates for dispute resolution and compliance.

Comparing eSignature provider basics for certificate workflows

Many teams use an eSignature provider to sign, send, and archive certificates. The table compares core pricing and capability signals; signNow is listed first.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day free trial, no credit card Varies by vendor Varies by vendor Varies by vendor Varies by vendor
Bulk Send Yes (Business Premium) Yes Yes Yes No
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes (BAA available) Yes Yes No No
Envelope Cap No cap 100 envelopes/user/year Varies by plan Varies by plan Varies by plan

FAQs and troubleshooting for certificates and electronic delivery

Answers to common questions about validity, e-signing, endorsements, and what to do when policies change.


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