Home Depot Pro Referral Insurance Requirements

Insurance Requirements for Home Depot Pros

Home Depot’s Pro Referral program is a lead generation service for service professionals who shop at Home Depot. Once you’re approved, every dollar that you spend at Home Depot earns you 2 points in your Pro Xtra account, which convert to job leads. Then, when Home Depot customers in your area request a service professional, you’ll have the ability to take the job through your account. The signup process is fairly easy. To become a Pro, you have to provide ID verification, complete a background check (provided by Home Depot), provide a certificate of insurance that meets Home Depot’s insurance requirements, and, depending on your services, provide state licensing information. 

This article will explain exactly what you need to have on your certificate of insurance to meet Home Depot’s Pro Referral insurance requirement, what the coverages mean, and how to get your policy quickly and affordably. 

Home Depot Pro Referral Insurance Requirement

Home Depot requires you to have General Liability and Workers’ Compensation insurance, and list them as a Certificate Holder. The limits and language for each of these things will need to be exactly right on your certificate of insurance when you apply to be a Pro. Share the exact details below with your insurance agent, or select the Pro Referral Policy, to get a certificate of insurance with all of the requirements built in.

Home Depot Pro Referral Insurance Requirement
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General Liability

General liability covers third-party bodily injury and property damage. For example, if you damaged something in a client’s home, it would help pay to replace it. You’ll need to meet all of the specific sub-limits below:

  • Each Occurrence: $1,000,000
  • Damage to Rented Premises (each occurrence): $300,000
  • Medical Expenses (any one person): $5,000
  • Personal & Advertising Injury: $1,000,000
  • General Aggregate: $2,000,000
  • Products & Completed Operations Aggregate: $2,000,000

Workers’ Compensation

Workers’ Compensation covers your employees when they are injured on the job. If you don’t have employees, you likely won’t have to purchase workers’ compensation. Home Depot requires you to meet statutory requirements, which vary by state. Check your state’s requirements here, or purchase a Pro Referral Policy, and our advisors will ensure that you meet your statutory requirement.

Employer’s Liability Limit: $500K
If you are required to purchase workers’ compensation, you’ll need an Employer’s Liability limit of at least $500K.

Certificate Holder

Certificate Holders can see information and updates on your insurance policy, such as early cancellations. You’ll need to make sure the wording is exactly right, or select a pre-made policy with the language built in.

Redbeacon, Inc. d/b/a Pro Referral – 
Third Floor, 4000 East 3rd Avenue,
Foster City, CA 94404

Additional Insured

For some projects, homeowners may require you to list them as an additional insured on your certificate of insurance. To make your life easier down the road, it’s a good idea to get a “Blanket Additional Insured Endorsement.” This will allow you to add homeowners to your COI at no additional cost. To avoid waiting weeks for an agent to update your COI, make sure you purchase your policy from a company that offers Live Certificates of Insurance, which can be updated and shared online.

The Pro Referral Policy

To make your application process as smooth as possible, we’ve pre-made a policy with all of your Home Depot Pro Referral insurance requirements built in! Click below, answer a few questions about your business, and purchase your policy online for as low as $25 / month. If you have any questions, real advisors will be available via phone and live chat to help you out!

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