Every sub's certificate. Collected, checked, and kept current.
SubCover HQ chases your subcontractors and their agents for certificates of insurance, reviews each one against your requirements, and stays on top of every expiration, so a lapsed policy never lands on you.
By subscribing you agree to the Terms. Flat monthly price. Cancel anytime. No software for your subs to learn.
| Vendor | Status |
|---|---|
| Ridgeline Electric | Compliant |
| Northshore Concrete | Expires in 14 days |
| Apex Roofing Co. | Missing additional insured |
| Lakeview Plumbing | Expired |
| Summit HVAC | Compliant |
COI tracking is everyone's job, so it ends up being no one's.
Certificates live in inboxes, spreadsheets, and filing cabinets. Policies renew on different dates. Endorsements get missed. And you usually find out after the claim.
Lapsed coverage slips through
A sub's policy expires mid-job and nobody notices until something goes wrong on site.
Endless chasing
Requesting, re-requesting, and following up with agents eats hours your team doesn't have.
The fine print gets missed
Low limits, a missing additional insured endorsement, or no waiver of subrogation are easy to miss on a quick glance.
Hand us the list. We handle the rest.
Setup takes one email. From then on, we do the collecting, checking, and chasing.
Send your list
Your subs and vendors, contact emails, and your insurance requirements.
We request COIs
We contact each sub or their insurance agent on your behalf for a current certificate.
We review each one
AI reads every certificate, and a person checks it against your limits and endorsements.
We track and chase
We follow up before and after renewals until a compliant certificate is on file.
Everything a compliance coordinator would do, without the hire.
Coverage gap flags
We compare each certificate to your requirements and flag what's wrong, in plain English.
AI certificate reading
ACORD 25 and similar forms are read automatically, with human review on top.
Expiration tracking
Every policy date is tracked, with renewals requested well before they lapse.
Automated chasing
Polite, persistent follow-ups to subs and their agents until we get a current certificate.
Compliance dashboard
See who's compliant, expiring, missing, or expired at a glance, and share it with your team.
Built for small teams that manage a lot of outside vendors.
General contractors
Keep every sub on every job covered before they set foot on site.
- 10 to 100 active subcontractors
- Additional insured and waiver requirements per project
- Proof of coverage ready for owners and lenders
Property managers
Make sure every vendor working at your properties carries the coverage you require.
- Landscapers, cleaners, maintenance, and trades
- Certificates naming the owner and management company
- Renewals tracked across every property
One simple price. The whole service.
No per-vendor fees, no setup fee, no contract. Billed monthly and cancel anytime.
Questions first? Book a demo and we'll walk through your sub list with you.
- COI requests to subs, vendors, and agents
- Review against your coverage requirements
- Expiration tracking and renewal chasing
- Gap flags: limits, additional insured, waiver of subrogation
- Shareable compliance dashboard and status reports
- Email support from a real person
By subscribing you agree to the Terms.
Questions, answered.
Do my subs need to install or log into anything?
No. We contact them or their insurance agent by email and they reply with the certificate, the way they already do.
What do you check on each certificate?
Coverage types, limits, policy dates, the certificate holder, and endorsements like additional insured and waiver of subrogation, all against the requirements you give us.
Who do you contact on my behalf?
Only the subs, vendors, and agents you give us, and only about their certificates.
How many vendors does $99/mo cover?
The service is built for teams with roughly 10 to 100 subs and vendors. If you have more, book a demo and we'll talk it through.
Is this insurance or legal advice?
No. We're an administrative service. Your broker or attorney sets your requirements; we make sure certificates match them.
Can I cancel anytime?
Yes. It's month to month with no contract.
See how SubCover HQ would handle your subs.
Tell us about your company and we'll reach out personally, usually within one business day.
- A walkthrough built around your vendor list
- Help setting your insurance requirements
- No pressure and no sales script
Prefer email? subcoverhq@gmail.com
Stop chasing certificates.
Let SubCover HQ keep every sub covered, for $99 a month.
By subscribing you agree to the Terms.