Subcontractor insurance tracking for general contractors

Sound familiar?

• Subs showing up to start work before a certificate is on file.
• Certificates that list you as certificate holder but not as additional insured.
• Workers' comp policies expiring halfway through a job without anyone noticing.
• Pulling together certificates in a hurry when an owner, lender, or auditor asks.

How COI Relay handles it

You add the subcontractors you work with, or import your spreadsheet. Then:

• Each sub gets a private link to upload their certificate, no account needed. Their agent can email it to your COI Relay address instead.
• Every certificate is read and checked: limits, expiration dates, and the additional insured and waiver boxes.
• Subs whose certificate falls short get an email saying exactly what to fix.
• Expiring policies are chased automatically at 30, 14 and 7 days, and every version is kept per sub.

Your requirements, checked every time

For example, you might require $1M per occurrence and $2M aggregate general liability, $1M auto, workers' comp, and you and the owner named as additional insured with a waiver of subrogation. Set it once for each trade, and every certificate is checked against it.

That's an example, not a recommendation. Your contracts, lender, or broker decide what you require; COI Relay checks certificates against whatever you set.

Try it on one certificate

Drop any certificate into the free certificate checker to see what COI Relay reads from it. No signup needed.

This guide explains what certificates show. It isn't insurance or legal advice; ask your broker or attorney what to require.