Same-Day Certificate of Insurance in Florida
Get your COI issued today — most requests completed within 2 hours for existing clients. Bilingual agents available.
How to Get Your COI Today
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.
What You Need to Request a COI
Having the following information ready when you call or submit online ensures we can issue your certificate of insurance as quickly as possible.
- Certificate holder's full legal name and address
- Coverage types required (workers' comp, GL, commercial auto)
- Required coverage limits (e.g., $1M per occurrence / $2M aggregate)
- Additional insured endorsement details (if required)
- Waiver of subrogation requirement (if required)
- Project address or job site location (if applicable)
Contact Us Now
Our bilingual team is available Mon–Fri 8am–5pm ET. For urgent after-hours requests, call or text and we'll do our best to help.
COI issuance is free for all active policyholders
Same-Day COI by City in Florida
Bright Coast Insurance serves contractors across all of Florida. Find same-day COI information for your city:
Frequently Asked Questions
How fast can I get a certificate of insurance?
Bright Coast Insurance issues COIs the same day for existing policyholders — most requests are completed within 2 hours 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?
To issue your COI, we need: the certificate holder's name and address, 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?
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.
What is an additional insured endorsement?
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. 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 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 online at any time and we'll process it first thing the next business day.
How much does it cost to get a COI?
COI issuance is free for all active Bright Coast Insurance policyholders. There is no fee to issue, reissue, or update a certificate of insurance. If you need to add an additional insured endorsement, that may involve a small policy endorsement fee depending on your carrier.
What trades do you issue same-day COIs for?
We issue same-day COIs for all Florida construction trades including roofing, general contracting, HVAC, electrical, plumbing, framing, concrete, masonry, landscaping, painting, and more. We also serve non-construction businesses that need COIs for vendor agreements, lease requirements, or client contracts.
Need a COI Today?
Call or text us now — most COIs issued within 2 hours during business hours.