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A roofing crew is already on the building. The COI isn’t. License, current insurance, and additional insured — before the first nail.

The truck is in the lot. The ladder’s on the stucco. Work has started and nobody pulled this week’s certificate of insurance. Last year’s PDF is still buried in someone’s email. Then someone slips, water finds the unit below, or a claim hits the master policy. The vendor’s coverage lapsed. The association was never additional insured. The crew showed up. The paper didn’t.

This HOA Case Files episode is for condo and HOA boards that manage vendors: why “certificate holder” is not the same as coverage, the three checks to require before any trade starts (license, current COI with general liability and workers’ comp where required, and additional insured for higher-risk jobs), and how to write that rule once so the parking-lot exception stops winning. Practical, plain-language vendor paperwork for self-managed boards — not a lecture, not legal advice. Confirm with your bylaws, association counsel, and insurance broker.

Topics: HOA vendor insurance, certificate of insurance (COI), additional insured vs certificate holder, workers’ compensation for contractors, board vendor policy, condo association risk, self-managed HOA operations.

From SoShiny.com. New case every week. We are not your attorney.