Same-Day Certificate of Insurance in Florida
Get your COI issued today — most requests completed within 2 hours
Fast COI Issuance for Florida Contractors
Florida contractors, subcontractors, and business owners frequently need a certificate of insurance (COI) on short notice — to start a new job, renew a contractor license, or satisfy a general contractor's requirements. Bright Coast Insurance specializes in fast COI issuance for Florida businesses. For existing clients, we issue COIs the same day via email. For new clients, we can often bind coverage and issue a COI within 2–4 hours for qualified applicants.
What You Need to Request a COI
- Active workers' compensation or general liability policy
- Name and address of the certificate holder (GC or property owner)
- Any additional insured endorsement requirements
- Waiver of subrogation if required by contract
- Specific coverage limits required by the project
How It Works
Call, Text, or Submit Online
Reach us at (239) 323-0785 or use our online certificate request form. Provide the certificate holder's name, address, and any special requirements.
We Prepare Your COI
Our team pulls your policy, adds any required endorsements, and prepares your ACORD certificate of insurance — typically within 2 hours.
Delivered to Your Inbox
We email your COI directly to you and the certificate holder. Need it faxed or sent to a third party? Just let us know.
Same-Day COI by City
Select your city for local COI requirements and turnaround information:
Frequently Asked Questions
How fast can I get a certificate of insurance in Florida?
Bright Coast Insurance issues COIs the same day for existing policyholders — most requests are completed within 2 hours of submission during business hours (Mon–Fri 8am–5pm ET). For new clients who need to bind coverage first, we can typically complete the process within 2–4 hours for standard trades. Call or text (239) 323-0785 for urgent requests.
What information do I need to request a COI in Florida?
To issue your COI, we need: the certificate holder's name and address (the GC or property owner requiring the COI), the coverage types and limits required, any additional insured endorsement requests, and whether a waiver of subrogation is needed. Having this information ready speeds up the process significantly.
Can I get a same-day COI for workers' comp in Florida?
Yes. If you already have a workers' comp policy with Bright Coast Insurance, we can issue a COI the same day. If you need to bind a new workers' comp policy first, we work with carriers that offer same-day binding for qualified applicants in most construction trades. Roofing contractors and other high-risk trades may require additional underwriting time.
What is an additional insured endorsement and do I need one?
An additional insured endorsement adds another party — typically the general contractor or property owner — to your liability policy. Most Florida GCs require this before allowing subcontractors on site. The endorsement must be added to your policy before the COI is issued. Bright Coast Insurance handles this routinely and can add it the same day.
Does Florida law require contractors to have a COI?
Florida law requires contractors in the construction industry to maintain workers' compensation insurance and provide proof (a COI) to the Florida Department of Financial Services, licensing boards, and general contractors. Operating without required coverage can result in a stop-work order and fines of at least $1,000 per day.
Can I get a COI after hours or on weekends?
Our standard COI issuance hours are Mon–Fri 8am–5pm ET. For urgent after-hours requests, call or text (239) 323-0785 — we do our best to accommodate urgent job starts. You can also submit your request through our online form at any time and we'll process it first thing the next business day.
Need a Florida COI Today?
Call or text us now — most COIs issued within 2 hours during business hours.