Same-Day Certificate of Insurance

Workers Comp COI
Issued Today.

Construction, roofing, towing, trucking, agriculture, home health, and staffing — we cover the industries traditional carriers decline. No deposit. No audit. Certificate issued the same business day.

Same-day COI
No deposit required
No audit
$875 flat setup fee
Call (239) 228-8029

Mon–Fri 8am–6pm ET · Bilingual EN/ES

Get Your Same-Day COI

Takes under 3 minutes · No credit check

Get a Quote

Instant PEO Quote

Fill out the form, verify your phone, and get your instant pre-underwriting quote with PDF — no obligation.

Instant quote — no waiting
PDF sent to your phone
Same-day COI available
Bilingual English / Spanish
Hard-to-place industries welcome

Call or WhatsApp us

(239) 228-8029Chat on WhatsApp

Mon–Fri 8am–6pm CT

1
Your Info
2
Verify Phone
3
Instant Quote

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Next: verify your phone to unlock your instant quote + PDF.

How Same-Day COI Works

Three steps from application to certificate in your inbox.

1

Submit Your Info

Fill out the short form — takes under 3 minutes. No SSN, no credit check.

2

Coverage Confirmed

Our team reviews your class code and confirms coverage — same business day.

3

COI Issued

Your certificate of insurance is emailed to you and your GC the same day.

Industries We Cover

Same-day COI available for all of these — even if you've been declined elsewhere.

Roofing

Class 5551

General Construction

Class 5403

Towing & Roadside

Class 8380

Trucking

Class 7219

Agriculture / Farm

Class 0035

Home Health

Class 8835

Staffing Agencies

Class Multi

Cleaning / Janitorial

Class 9102

HVAC

Class 5537

Frequently Asked Questions

How fast can I actually get a workers comp COI?

Most applicants receive their certificate of insurance the same business day they submit their information — often within 2–4 hours. Coverage begins the day your first payroll runs through the PEO program.

What industries qualify for same-day COI?

We issue same-day certificates for construction (all trades), roofing, towing, trucking, agriculture, home health, staffing, and cleaning. These are the industries most often declined or delayed by traditional carriers — our PEO program specializes in them.

Is there a deposit required?

No. Our PEO workers comp program has no deposit requirement. You pay a one-time $875 setup fee and then pay premium with each payroll run based on actual wages — no large upfront payment.

Can I add additional insureds to my COI?

Yes. You can add your general contractor, property owner, or any other required additional insured to your certificate at no extra charge. We can update and reissue your COI the same day you request it.

What if I have prior claims or a high EMod?

Our PEO program does not use your individual experience modification factor. Your coverage is written under the PEO's master policy, which means prior claims history and high EMod scores do not disqualify you.

Do you cover new businesses with no prior insurance history?

Yes. New businesses with no prior workers comp history are welcome. The PEO program does not require a minimum time in business or prior policy history.

Ready for Your COI Today?

Submit your info now and get your certificate of insurance before the end of the business day.

(239) 228-8029

Also available in Spanish — Ver en Español