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License Types Requiring Insurance

What license types require insurance?

If you are a licensed professional you will want to protect yourself, your business, and your clients by making certain that there is a valid Certificate of Insurance (COI) for the services you provide. As a customer, you will also want to be protected by ensuring that a COI is provided from the provider of the services for which you contract and receive. As a COI does not automatically mean that coverage will be provided for all issues, learn more about common issues here

To further assist you, the following types of services do require a COI on file with DCRA. The policy must be kept current throughout a professional’s valid dates of licensure and/or throughout the entire construction process where applicable, i.e. from the permit application process through to project completion.

Home Improvement Contractor
Home Improvement Contractor
General Contractor / Construction Manager
General Contractor / Construction Manager
Parking Facility Operations
Parking Facility Operations
Driving School
Driving School
Tow Truck Businesses
Tow Truck Businesses
Tow Truck Storage Lot
Tow Truck Storage Lot
Valet Parking
Valet Parking

For licensed professionals, as a Regulated Business, you must furnish a Certificate of Insurance (COI) during the Basic Business License application process, which:

  • is issued to your organization as registered with the DCRA Corporations Division
  • is issued to the premise address provided on the Basic Business License application
  • includes a description and location of services, i.e. General Contractor in Washington, DC
  • displays the certificate holder as "Department of Consumer and Regulatory Affairs, 1100 4th Street, SW, Washington, DC 20024."
  • remains in full force and effect for the duration of the license period

Post Office boxes are not acceptable as an insured’s premise address.