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hi Im Jeff Conine from the commercial mines department at Paradiso insurance and were here to talk today about certificates of insurance certificates of insurance our proof of insurance that all contractors should provide to a homeowner or anyone that they are doing jobs for the certificate shows their insurance policy information and their coverages that they do have the homeowner would want to request certificates of insurance from anybody coming in to do any kind of work whether its a computer tech to a roofer just to make sure that they have proper coverages in case something bad happens and theyre not something so you would have to sue them civilly because theres no coverage [Music]