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COI tracking · Workers’ Comp Certificate Tracking

Workers’ comp certificate tracking

An expired workers’ comp certificate can shift an injured worker’s claim onto your policy — or stop a job cold. COI Tracker keeps every vendor’s WC certificate current with automatic reminders.

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The job

Where this gets hard

A lapsed WC policy can push a claim onto you

If a sub’s workers’ comp has expired and their worker is injured, the claim can fall back on the hiring party’s coverage. Reminders catch the WC renewal before that gap opens.

GCs and hosts require WC before anyone steps on site

Most sites won’t let a crew work without current workers’ comp on file. COI Tracker stores each vendor’s WC certificate so the proof is ready before work starts.

Workers’ comp renewals rarely land on your calendar

WC policies renew on their own schedule, not yours, and lapses are easy to miss. Automatic 30, 14, and 7-day reminders put the renewal in front of you in time.

Certificates you’ll keep tracked

Examples we see in this dashboard

  • General contractors’ subs
  • Staffing-agency placements
  • Delivery & owner-operators

How COI Tracker handles it

  1. 1Add each vendor with name, email, certificate type, and expiry date — or bulk-import a spreadsheet on Growth+.
  2. 2Upload the certificate PDF on each row. Files are stored privately and surfaced through short-lived signed URLs.
  3. 3Get reminders 30, 14, and 7 days before each expiry. Click “Request Update” to ping the vendor for the new cert.
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FAQ — Workers’ Comp Certificate Tracking

What is a workers’ comp certificate?

A workers’ compensation certificate is proof that a vendor carries insurance covering their employees’ work-related injuries. It’s shown on the certificate of insurance and, like any policy, has an expiration date.

Why track subcontractors’ workers’ comp?

Because if a sub’s workers’ comp has lapsed and their worker is hurt, the claim can fall back on the hiring party’s coverage. Tracking each sub’s WC expiry is how contractors and hosts avoid that gap.

Does workers’ comp expire like other coverage?

Yes — workers’ comp policies renew on a set term and lapse if not renewed, just like general liability. COI Tracker tracks each certificate’s expiry and sends 30, 14, and 7-day reminders so the renewal isn’t missed.

Can I store the actual WC certificate?

Yes — you upload the PDF or photo and COI Tracker keeps it private behind signed URLs. You review the certificate yourself and can reopen it from the vendor’s dashboard row anytime.

Not legal or insurance advice. Verify your specific contract and policy requirements with a licensed broker or attorney.

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