Get Your Workers' Comp Certificate of Insurance Same Day in Florida
Need a COI to start a job today? We issue your workers' compensation Certificate of Insurance the same business day — emailed directly to you and your general contractor.
Get My COI TodayWhy Florida Contractors Need a Same-Day COI
In Florida's competitive construction and contracting market, the ability to produce a Certificate of Insurance on demand can mean the difference between winning a job and losing it. General contractors, property owners, municipalities, and motor clubs all require proof of active workers' compensation coverage before work begins.
Traditional insurance carriers typically take 3–7 business days to issue a COI after a policy is bound. For a contractor who just won a bid and needs to start Monday morning, that delay is unacceptable.
Comp Ninjas issues your COI the same business day in most cases. Submit your quote form, get approved, pay your setup fee, and your COI is emailed to you and your GC within hours — not days.
How to Get Your Same-Day COI in 3 Steps
Submit Your Quote Form
Complete our 2-minute online form with your business info, industry, number of employees, and estimated payroll. No lengthy paperwork or in-person meetings required.
Get Approved & Pay Setup Fee
Our team reviews your application and provides a quote typically within 1–2 hours during business hours. Once you approve and pay the $875 setup fee, your coverage is bound.
Receive Your COI by Email
Your Certificate of Insurance is emailed to you and any additional insureds or certificate holders you specify — the same business day your coverage is bound.
Industries That Need a Same-Day COI in Florida
Certificate of Insurance Questions
What is a Certificate of Insurance (COI) for workers comp?
A Certificate of Insurance (COI) is a document that proves you have active workers' compensation coverage. It shows the policy number, coverage limits, effective dates, and the name of the insurance carrier. General contractors, property owners, and municipalities require a COI before allowing you to work on their job sites.
How fast can I get a workers comp COI in Florida?
With Comp Ninjas, your COI is issued the same business day in most cases. Once your application is approved and your first payment is processed, we email your COI directly to you — and to any additional insured or certificate holder you specify.
Can I get a COI before my first payroll run?
Yes. Your COI is issued as soon as your PEO enrollment is approved and your setup fee is paid. You don't need to wait for a payroll cycle. This is critical for contractors who need to start a job immediately.
Can I send my COI directly to my general contractor?
Yes. When we issue your COI, you can specify any number of additional insureds or certificate holders. We'll email the COI directly to your GC, property owner, or any other party that requires proof of coverage.
What information is on a workers comp COI?
A workers' comp COI includes: the name of the insured (your company), the insurance carrier name, the policy number, the effective and expiration dates of the policy, the coverage limits (statutory in Florida), and the name of the certificate holder (your GC or client).
How long is a workers comp COI valid in Florida?
A workers' comp COI is valid for the policy period, typically one year. However, under our PEO program, coverage is continuous as long as you remain enrolled and current on payments. We send renewal COIs automatically before your policy expires.
Ready to Get Covered?
Same-day COI. No large down payment. Bilingual support. Get your free quote in 2 minutes.