BidItPro

BIDITPRO CONTRACTOR INSURANCE REQUIREMENTS

Effective Date

BIDITPRO CONTRACTOR INSURANCE REQUIREMENTS

Effective Date: December 2, 2025

OVERVIEW

All Contractors on BidItPro must maintain valid insurance coverage. This requirement protects homeowners, Contractors, and the platform. Contractors cannot submit bids until insurance is verified.

MINIMUM INSURANCE REQUIREMENTS

All Contractors must maintain General Liability Insurance with:

  • Minimum $1,000,000 per occurrence

  • Minimum $2,000,000 aggregate

  • Coverage for property damage

  • Coverage for bodily injury

  • Coverage for completed operations

SERVICE-SPECIFIC REQUIREMENTS

Tree Service Contractors: In addition to general liability, tree service contractors should carry: additional coverage for aerial/climbing work; equipment coverage for chainsaws and chippers; and coverage for work near power lines. Recommended additional coverage: $2,000,000 per occurrence. Roofing Contractors: Roofing contractors should maintain: coverage specifically for roofing operations; fall protection coverage; and coverage for work at heights. Many insurers require specific roofing endorsements. Lawn Care Contractors: Standard general liability typically suffices. Ensure coverage includes: chemical application (if offering fertilization/weed control); equipment operation; and property damage from mowing/edging. Fencing Contractors: Ensure coverage for: underground utility damage; post-hole digging operations; and materials storage on customer property.

VERIFICATION PROCESS

Step 1

  • Upload Documentation: During registration, upload a Certificate of Insurance (COI) showing: your business name (must match registration); coverage amounts; policy effective and expiration dates; insurance company name and contact; and policy number. Step 2

  • Review: Our team reviews submissions within 1-2 business days. We may contact your insurance provider to verify coverage. Step 3

  • Approval: Once verified, your account is approved for bidding. You will receive email confirmation.

Step 4

  • Ongoing Monitoring: You must upload updated documentation

before your policy expires.

ACCEPTABLE DOCUMENTATION

We accept: Certificate of Insurance (COI)

  • preferred; declarations page from your policy; or letter from your insurance agent on company letterhead. Documents must be: clearly legible; current (not expired); and in PDF, JPG, or PNG format.

POLICY EXPIRATION

You will receive reminders at: 30 days before expiration; 14 days before expiration; 7 days before expiration; and on the expiration date. If your insurance expires: your bidding privileges are automatically suspended; active jobs are not affected; you must upload new documentation to resume bidding.

INSURANCE LAPSES

If your insurance lapses: you cannot submit new bids; you should not perform services without coverage; homeowners may be notified of your status; and repeated lapses may result in account review.

ADDITIONAL INSURED

BidItPro does not require being listed as an additional insured on your policy. However, homeowners may request this for specific jobs, which you may accommodate at your discretion.

WORKERS COMPENSATION

If you have employees, you must comply with your state's workers compensation requirements. While BidItPro does not verify workers comp coverage, failure to maintain required coverage violates our Terms of Service.

FALSE DOCUMENTATION

Submitting false, forged, or altered insurance documentation will result in: immediate account termination; reporting to relevant authorities; potential legal action; and permanent ban from the platform.

QUESTIONS

For insurance verification questions: BiditPro LLC, 8150 S Yukon Avenue, Tulsa, Oklahoma

  1. Email: support@biditpro.com