A COI is a formal document issued by our insurance provider that proves Xvanlines has the necessary liability, cargo, and workers’ compensation insurance to operate on a specific property.
Building managers require this to protect the property (elevators, hallways, and flooring) against any potential accidental damage during the move. If your building asks for “proof of insurance,” they are asking for a COI.
We’ve streamlined the process to make it as simple as possible for you:
Ask your building manager for their specific “COI Requirements” or a “Sample COI.”
Forward those requirements to your Xvanlines move coordinator at least 48–72 hours before your move date.
Our team works directly with our underwriters to generate a custom certificate listing your building as the “Additional Insured.
We send the completed COI directly to you or your building management. You’re all set for move day!
A Certificate of Insurance (COI) is a formal document provided by our insurance carrier that verifies Xvanlines holds the necessary insurance limits to operate on a specific property. It outlines our coverage for General Liability, Automotive Liability, Workers’ Compensation, and Umbrella coverage. This protects both you and the building owners from financial liability in the rare event of property damage or an injury during the moving process.
Not necessarily. Most single-family suburban homes do not require a COI. However, if you are moving into or out of a managed apartment complex, high-rise, or commercial office building, a COI is almost always mandatory. We recommend checking with your building management as early as possible to see if they require one to grant our trucks and crew access to the loading dock or service elevators.
To generate an accurate certificate, your building manager will usually provide a “Sample COI” or a list of requirements. We specifically need:
Certificate Holder Name: Usually the legal name of the building or management company.
Certificate Holder Address: The official business address of the management office.
Additional Insureds: Any other entities that must be legally protected (e.g., the property owner, the HOA, or the investment group).
Minimum Coverage Limits: Specific dollar amounts required by the building (e.g., $1 Million or $2 Million).
Standard COIs are included as a value-added service for our customers. In rare cases where a building requires “Excess Umbrella Coverage” (limits exceeding $5 Million) or highly specialized endorsements, there may be a small administrative pass-through fee from our insurance provider. We will always notify you upfront if your building’s requirements fall into this category.
We recommend submitting your building’s requirements to us at least 3 to 5 business days before your move. While our team at Ali Dev Solutions has streamlined this process to be fast, building managers often take 24–48 hours to review and approve the document once we send it to them. Don’t wait until the morning of your move!
Absolutely. It is common for high-end buildings to require the Management Company, the Building Owner, and the Condominium Association to all be listed. Simply forward us the complete list of names and addresses, and our insurance carrier will include them all on a single, comprehensive certificate.
If a building manager requests a revision (usually due to a specific wording preference or a typo in the building’s name), simply forward their feedback to your Xvanlines move coordinator. We will work with our insurance agent to issue a corrected version immediately to ensure your move stays on schedule.
It’s important to note that a COI protects the building property (floors, walls, elevators). Protection for your personal belongings is handled through Valuation Coverage, which is a separate part of your moving contract. We offer several tiers of valuation to ensure your items are protected according to their worth.
