Bond requirements, prime-contract clauses, and your own GL carrier all demand current COIs from every sub. Get reminded before each one lapses, not when an insurance audit finds it.
10 vendors free · Plans from $29/mo · Setup in 2 minutes · No credit card
The job
Surety carriers can call a bond if subcontractor coverage lapses mid-project. Automated reminders flag a lapsing certificate so you can follow up before the sub’s next day on site.
Owner-issued prime contracts almost always include flow-down clauses requiring AI endorsements and WOS language on every sub COI. Storing the full PDF means you can prove the language whenever asked.
Construction carriers audit harder than most. Missing one sub COI on a $5M payroll can mean a five-figure back-billed premium. Filter, export, done — five minutes instead of a week.
Typical vendors construction companies track
You store the full COI PDF on every row, so the endorsement language is one click away. We don’t auto-parse the PDF text yet (manual visual check still needed), but the document trail is centralized and searchable.
Include the project name in the vendor name (e.g. "Acme Electric — 1234 Main St") and search for it in the dashboard. Keep the certificate’s actual policy expiry date. Records stay on file until you delete them; there is no archive or separate project field.
For small-to-mid construction firms (under ~200 active subs), COI Tracker covers the renewal-reminder workflow at a fraction of the cost. Larger firms with full-time risk managers and Procore integrations typically need the enterprise services.
Yes — Growth+ includes CSV import. Most users bulk-load their full vendor list in one upload, then refine reminder dates as renewals come in.
Not legal or insurance advice. Verify your specific contract and policy requirements with a licensed broker or attorney.
Go deeper
Checklist
12 items every auditor checks — what to fix before yours does.
Diagnostic
Four breaking points that tell you it’s time to switch.
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14 fields, status formulas, conditional formatting. Email-gated.
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