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 by 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 the Department of Licensing and Consumer Protection (DLCP). 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.

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 DLCP 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 Licensing and Consumer Protection, 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.