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For insurance agents: fewer certificate fire drills from your contractor clients.
Your contractor and property-manager clients need certificates from every sub and vendor they hire, and they need their own certificates issued correctly for every job. SubCover HQ handles the tracking and chasing on their side, so the requests that reach your office are complete, specific, and far less frequent.
What it looks like from your desk today
Endless certificate requests
Contractor and property-manager clients forward every request they get, often with missing holder names or unclear wording, and expect a same-day reissue.
Back-and-forth over endorsements
Requests for additional insured, waiver of subrogation, or primary and noncontributory wording arrive half-specified, so your CSRs end up asking three follow-up questions.
Clients who don't track their own subs
When a client's sub turns out to be uninsured at audit time or after a claim, the frustrated call usually comes to you.
What changes when a client uses SubCover HQ
- Each request to your office is one email with the exact certificate holder, additional insured wording, limits, and project or property details
- Endorsement requests name the form your client's contract asks for (for example CG 20 10 and CG 20 37) instead of just saying 'add us'
- Your client's subs and vendors get chased by us, not by your CSRs or your client's office manager
- Expirations are tracked policy by policy, so renewal requests come early instead of the day a job starts
- Coverage questions and gaps are routed back to you. We never quote, sell, or advise on coverage
What a request from us looks like
Subject: Certificate request for [Client] – [Project or property]
Hi [Agent], we track certificates for [Client]. Could you issue an ACORD 25 for [Insured] with:
- Certificate holder: [exact legal name and address]
- Additional insured on GL (ongoing and completed operations) and auto: [names]
- Waiver of subrogation on GL, auto, and workers' comp; primary and noncontributory on GL
- Minimum limits: [from the client's contract]
Please attach the endorsement pages if they're available. Thanks!
Bracketed fields are filled from the customer's requirements. Want to see the full set? Our free COI email templates are public.
Resources you can send clients
- Subcontractor insurance requirements generator (a starting point clients review with you)
- Subcontractor COI checklist
- COI requirements by trade and by property type
- CG 20 10 vs CG 20 37 explained
- How to spot a fake certificate of insurance
- COI glossary
Common questions
Does SubCover HQ sell insurance or compete with my agency?
No. SubCover HQ is an administrative service. We never quote, sell, bind, or place coverage, and we never advise your clients on what to buy. Coverage questions go back to you.
How does this cut down on certificate requests?
Today a contractor's sub list turns into dozens of vague requests, follow-ups, and reissues. When we handle it, each request to your office is one email with the exact certificate holder, additional insured wording, limits, and project details, so you can issue it right the first time.
Who pays for it?
Your client does, directly: $99/month or $990/year, no setup fee, cancel anytime. Nothing is billed to your agency.
Can I suggest SubCover HQ to clients?
Yes, and you're welcome to share this page. Email us if you'd like to talk about how we can work together.
Will you contact my clients' subs on my behalf?
We contact only the subs, vendors, and agents our customer gives us, and only about their certificates. We never market to them.
Can you send us gaps we find?
Yes, with the customer's OK. If a client's own certificates or requirements have a gap worth a coverage conversation, we tell the customer to call you rather than guessing at an answer.
Questions? Email subcoverhq@gmail.com. Also see SubCover HQ for general contractors and property managers.
SubCover HQ is an administrative service. It is not an insurance agency or broker, and it does not provide insurance or legal advice.
Done chasing certificates?
SubCover HQ collects, checks, and tracks your subs' and vendors' COIs for a flat $99/month. Cancel anytime.
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