Managing Subcontractor Insurance Without the Headache

If you’re a GC, you’re responsible for more than your own crew.

Making sure your subcontractors carry the right insurance is critical to protecting your business. But the process of collecting COIs, verifying them, and tracking renewals can be a full-time job.

What happens if you don’t? If a sub causes damage and their coverage has lapsed, your policy might take the hit—or worse, the job site shuts down.

Best practices for managing sub insurance:

• Create a list of required coverages for every trade

• Set up reminders for COI renewals

• Don’t accept handwritten or incomplete certificates

Software can help: Some brokers and third-party tools offer dashboards that help you track compliance and alert you to expired coverage.

Stay organized to stay protected. A little upfront work ensures fewer headaches down the line—and a smoother experience for everyone on-site.