Your prime contract makes you responsible for every sub on site. An expired COI on day forty of a ninety-day job can stop work, void coverage, and shift the loss onto your bond.
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The job
When a subcontractor’s policy lapsed silently and an incident occurs, your GL carrier can subrogate or deny. Automated 30/14/7-day reminders mean nobody is on site without a current certificate.
New job means twenty subs and twenty COI requests. Click "Request Update" on each row and we send the email from your name — replies route back to your inbox, not a shared spreadsheet.
Your carrier’s end-of-year audit will ask for a COI for every 1099 sub on payroll. Missing one means you get back-billed at the highest premium tier. Keep them all in one searchable dashboard.
Typical vendors general contractors track
On Growth and above, "Request Update" sends the sub a branded email from your name asking for the latest cert. They reply with the PDF, you upload it once, expiry refreshes, reminders restart. Direct-upload portals for subs are on the Pro roadmap.
Store the full certificate PDF on every COI row. When you need to verify the AI endorsement or the WOS language, the file is one click away. We don’t parse the PDF text yet, but the original is always retained.
Filter to expired/missing, export to CSV, and you have your audit prep in five minutes. Pro adds a one-page PDF compliance report you can share with the auditor directly.
For small-to-mid GCs (roughly under 200 active subs) — yes, at a fraction of the cost. Larger GCs with full-time risk managers and integrations into Procore typically need the enterprise services. Start free, see if our workflow fits, scale up only when you outgrow it.
Not legal or insurance advice. Verify your specific contract and policy requirements with a licensed broker or attorney.
Same product, different industries.
3 vendors free, no credit card required. Upgrade only when you outgrow it.