Subcontractor insurance tracking for GCs
A sub with lapsed coverage isn't just their problem — additional insured status, waiver of subrogation and primary & non-contributory wording are what keep their claim from becoming your claim. Checking all of that per sub, per project, per renewal is exactly the kind of work that slips when the job gets busy.
CoverWarden verifies the full package — certificate face and endorsement pages — the moment a COI lands, and keeps chasing until compliant paper is on file.
The endorsement check your contract actually requires
Your subcontract says additional insured on a CG 20 10 and CG 20 37 basis, waiver of subrogation, primary & non-contributory. The certificate face proves none of that — the checkbox in the ACORD form isn't the endorsement. CoverWarden reads the attached endorsement pages, identifies the form numbers, and quotes the operative wording back to you as evidence.
Tools that only read the certificate face can't do this. Services that do it with human reviewers take days and carry enterprise minimums. CoverWarden does it in software, in about a minute, at self-serve prices.
Chasing that doesn't need a project admin
Renewal season runs itself:
- Automatic emails at 30, 14 and 7 days before expiry, and on expiry day.
- The producing agent on the certificate gets chased too — they're the one who actually re-issues the COI.
- Every email includes a no-login upload link; new certificates stop the sequence automatically.
- A full activity log shows exactly who was chased and when, if a dispute ever needs the paper trail.
Works the way site teams work
CSV-import your sub list in one paste, connect the inbox where COIs already arrive, and give your PM read access with a team seat. Compliance status per sub is one dashboard — green, expiring, or non-compliant with the reasons listed.
Frequently asked questions
Does CoverWarden detect specific endorsement forms?
Yes — it identifies additional insured forms (CG 20 10, CG 20 37 and others), waiver of subrogation and primary & non-contributory wording on the endorsement pages, with quoted evidence for each finding.
What happens when a sub's certificate doesn't meet requirements?
The certificate is marked non-compliant with each specific issue listed (limits, missing coverage, missing endorsements), and the chase emails tell the vendor exactly what to fix.
Upload a certificate and see the verdict in about a minute — 14-day free trial, no card, no demo call.