Subcontractor COI tracking for general contractors
General contractors are contractually liable for their subcontractors' insurance. If a sub's policy lapses and a worker is injured, the claim can flow straight back to you — and to your own policy.
Typical vendors tracked: subcontractors, trades, equipment rental firms, and independent crews.
The problem
- • Subs delay sending updated certificates while the job is already underway.
- • Additional-insured and waiver-of-subrogation endorsements are missing or wrong.
- • Manually checking limits against each subcontract is slow and error-prone.
- • A lapsed sub policy discovered after an incident has led to multi-million-dollar claims.
How CoverSynx helps
- ✓ Set a requirement template per trade and check every incoming COI against it automatically.
- ✓ AI verifies additional-insured status, waiver of subrogation, and coverage limits.
- ✓ Block or flag subs who fall out of compliance before they're back on site.
- ✓ Keep an audit trail for owners, GCs above you, and your own insurer.
FAQ
Does it check additional-insured endorsements?
Yes — the AI flags when a certificate is missing the additional-insured or waiver-of-subrogation endorsement your subcontract requires.