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Contractors Insurance

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Got Questions?

The following are answers to frequently asked questions. If you have additional questions, please don’t hesitate to contact us.

What is California SB-1159?

Governor Newsom signed Senate Bill 1159 (SB 1159) on September 17, 2020. It created new laws that affect California employers with employees who test positive for COVID-19. One of these, Labor Code Section 3212.88, applies to California employers who have five (5) or more employees.

What is a certificate of liability or certificate of insurance?

A Certificate of Insurance (COI) is document that shows proof of your valid insurance coverage. These may also be refered to as an “Acord Certificate.” Obtaining a certificate of liabiity is usually the first step in acquiring a new job.

What is a certificate holder?

A certificate holder is anyone who is listed on the certificate by their name and address. A third party may request to be listed as certificate holder, but that does not extend any of your insurance coverage to them. It simply means that they are receiving proof of your insurance coverage.

What is an additional insured?

A person or organization will not be automatically included as an additional insured. The named insured on the policy would need to request a person or organization be added to their policy as an additional insured. In doing so, the person or organization named would be included as an insured under an endorsements included in the named insured’s liability policy. Generally, the endorsement will provide coverage to the person or organization named as additional insured only for claims arising out of the acts or omission of the primary insured. Additional insureds have the right to file a claim on the named insured’s policy.

How do I request a certificate of liability or additional insured?

To request a certificate of liability or additional insured, please submit your request online at To ensure the certificates are completed correctly, we encourage you to send over any contracts or sample certificates from the requesting party.

You may also email your request to .

How long does it take to get a certificate of insurance or additional insured?

Basic certificates of insurance and certificate holders are usually issued on the same day that they are requested. Additional insureds may also be issued on the same day of the request, so long as the coverage is already included in your liability policy.

If additional insured coverage is not included in your liability policy, it may take 3-7 business days to process (depending on the carrier). However, our Customer Service Team will work directly with your additional insured to ensure deadlines are not missed due to carrier hold ups.

How much does it cost to expedite my certificate request?

Good news! At DJM Insurance, we don’t charge for rush certificate requests. We always do our best to issue certificates same day, but if you have a rush request, please be sure to include that in your request to our team. We also encourage you to give our team a call so we can make sure your request is prioritized.

I financed my policy premiums and need to make my monthly payment. How do I do that?

For those policies financed with Imperial Premium Finance, please call 800-561-2612 or visit them online at

For those policies financed with Capital Premium Finance, please call 800-767-0705 or visit them online at .

To enroll in ACH for either finance company, please email your request to

How do I make a change to my policy?

Whether you need to add/delete drivers on your auto policy, change your address on your liability policy, or add payroll to your workers compensation policy…All changes can be submitted online at

You can also email your request to .

I received an email or phone call from an “inspector.” What is this for?

Many policies require inspections to be completed within the first couple of months. An inspection is, in short, verification that the policy was written correctly. The inspection will confirm underwriting details such as anticipated gross sales and sub costs for the year. Depending on the carrier, these will be completed online or over the phone, and should take no longer than 10 minutes.

What is a final audit?

Insurance premiums are largely based on risk exposure, and in the case of worker’s compensation or general liability insurance policies, that exposure is measured by the insured’s payroll and/or gross sales. Because payroll and gross sales are always fluctuating, premiums are estimated at the beginning of the policy period. At the end of the policy period, an audit is performed and the insured either receives a closed even  or owes more money depending on where original estimates were from the actual figures. Final audits usually take place at the expiration of your policy.

If you need assistance with your final audit, please don’t hesitate to reach out to our Customer Service Team and they will walk you through the process.

Need help quickly?

If you need a quote urgently, feel free to call our customer service team Monday through Friday from 7am to 6pm (PST).

(866) 961-4570