Subcontractor prequalification and insurance tracking for GCs

The practical answer

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. And insurance is only part of the packet: the W-9, the trade license, last year's OSHA 300A and the EMR letter all have to be collected, read and refreshed, per sub, per year.

CoverWarden runs the whole packet. Every sub gets one free, no-login upload link; every document is read automatically the moment it lands — endorsement pages on the COI, expiry on the license, TRIR and DART computed from the 300A, EMR checked against your cap — and the chasing runs itself until the packet is complete.

Prequalification your subs don't pay for

Sub-paid networks (ISNetworld, Avetta and similar) charge each contractor an annual membership to maintain a profile — which means your best small subs pay to work for you, or don't sign up at all. On CoverWarden's Prequal plan the GC subscribes once, flat, and subs upload their packet free.

Upload your subcontract and its insurance article becomes your requirements automatically — limits, endorsements and required documents extracted with the clause quoted next to each finding, applied org-wide or per sub after your review.

• W-9: entity, classification and signature verified; TIN stored as last-4 only.
• Licenses: number, state and classification read; expiry tracked like a policy.
• OSHA 300A: TRIR and DART computed from the form's own counts — never self-reported.
• EMR letter: the rate verified against your maximum (default 1.00).
• Financial statements: collected and stored confidentially, never parsed.

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.