Google checks your insurance before your Google ads can run. With the right paper, it passes the first time.
This guide tells you what to ask your insurance agent for, and how to check it before you send it.
📋 What Google asks for
- General liability insurance. For some trades, like HVAC, Google can also ask for professional liability. Ask your agent about both.
- A minimum amount. It depends on your trade and your area. Google shows the number on the setup screen. We tell you the number when we see it. If you need a quote today, ask for $1 million per occurrence: that is what Google asked for HVAC in Florida (October 2026).
- Valid for at least 14 more days on the day we upload it. If it ends soon, renew it first.
✅ The paper must match your Google profile
- The same business name as your Google profile. Is the name different (for example, a DBA)? Send us the DBA paper too.
- The same address as your Google profile, in the area you serve.
- A policy number on the paper.
- Signed. The best paper is a Certificate of Insurance (also called a COI or an ACORD 25).
- Not edited. Google rejects a paper that someone changed. Ask your agent for a new one.
Name and address that do not match your Google profile are the number one reason Google says no. Look at both, letter by letter.
⚡ Get your certificate fast
Call or email your insurance agent
Say this (or copy it into an email):
I need a Certificate of Insurance for my general liability policy. Please send it to me as a PDF.Check name and address
When the PDF comes, check the business name and the address. They must match your Google profile.
Send it to us
Upload it on your welcome page, or text it to us. Most agents send it the same day.
Call a local insurance agent and ask for a general liability quote for your trade. Many agents can send a quote and a certificate the same day. Tell them the minimum Google asks for (we send you the number). You pick the company. We do not sell insurance.
What it usually costs: about $80 to $250 a month for a 1-person business at $1 million per occurrence. It depends on your sales, your trade and past claims. Your agent gives you the exact price.
Why it helps you anyway: Florida generally asks licensed contractors to carry liability insurance (your agent confirms the rule for your license). One accident without insurance can cost more than the business. Commercial jobs ask for it too.
When: your ad can go live first, but the insurance must be ready within 14 days or Google pauses the ad. Start the quote today.
Google can stop your ads when your insurance gets close to its end date. When you renew, send us the new certificate right away.
💬 Questions?
Text us. We reply with your next step.