As the GC or prime, an expired sub means an uncovered sub — and the loss rolls up to you. COI Tracker keeps every subcontractor’s certificate current and reminds you before it lapses mid-project.
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The job
A ninety-day project can outlast a sub’s policy term, leaving them uninsured on day sixty without anyone noticing. Reminders at 30, 14, and 7 days catch the renewal before that happens.
Under most prime contracts, a loss caused by an uninsured sub can roll up to the GC. Keeping each sub’s certificate current is how you keep that exposure closed.
Site rules and your own policy require a certificate before boots hit the ground. COI Tracker stores each sub’s uploaded certificate so proof is on hand before work begins.
Certificates you’ll keep tracked
Subcontractor compliance tracking is the practice of confirming every sub carries current insurance for the length of the job. COI Tracker stores each sub’s certificate, tracks its expiry, and emails reminders before coverage lapses.
Because a general contractor is often responsible for losses caused by an uninsured sub under the prime contract and their own policy. Tracking each sub’s COI is how GCs keep that exposure closed as jobs run long.
If a sub’s policy lapses during the work, a claim from that period may fall back on the GC’s coverage. COI Tracker’s 30, 14, and 7-day reminders are designed to catch the renewal before that gap opens.
Yes — the Growth plan ($59/mo) adds CSV import so you can load an existing sub roster at once. Every plan can also export the full list to CSV whenever you need it.
Not legal or insurance advice. Verify your specific contract and policy requirements with a licensed broker or attorney.
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