Subcontractor Insurance Compliance Checker
Free tool: Generate a compliance checklist for subcontractor insurance: required coverages, COI wording, endorsement reminders, and a request message sequence.
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Subcontractor
Insurance Compliance Checker
Avoid getting burned by uninsured subs. Make compliance simple.
tl;dr
Subcontractor Insurance Compliance Checker Free tool: Generate a compliance checklist for subcontractor insurance: required coverages, COI wording, endorsement reminders, and a request message sequence.
Choose your requirements
Verify Subcontractor Insurance Before They Start Work
Subcontractor insurance compliance protects you from liability when something goes wrong. If a sub is uninsured or underinsured, their claim can become your claim — with your premium impact and potential legal exposure.
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What to Require from Subcontractors
General liability (GL) with minimum limits matching your contract requirements (commonly $1M per occurrence, $2M aggregate).
Workers' compensation is required in most states for subs with employees. Some exceptions for sole proprietors vary by state.
Commercial auto if the sub uses vehicles for the work.
Umbrella/excess liability for higher-risk or higher-value projects.
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Key Endorsements to Require
Additional insured endorsement names your company on their GL policy so you share coverage protection.
Waiver of subrogation prevents their insurer from suing you after paying a claim.
Primary and non-contributory wording ensures their policy responds first before yours.
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Verifying Compliance
Request a Certificate of Insurance (COI) showing required coverages. Verify the endorsements are actually on the certificate or request copies of the endorsements themselves.
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Who Uses This Tool
General contractors require compliance from subs before job start. Property managers verify vendor coverage. Insurance agents help clients set proper requirements.
Set your requirements to generate a compliance checklist and request messages.
Find customers for commercial insurance
Writly answers the calls you miss, books the job, and collects the deposit for your commercial insurance business.
More Commercial Insurance tools
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commercial auto fleet insurance info collector
free tool: collect the info needed for commercial auto quotes: vehicles, drivers, usage, radius, garaging, and claims. generates a checklist + request messages.
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free tool: generate a checklist of info needed to quote commercial insurance (gl, wc, auto, property). includes documents list + a message to request missing info.
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insurance outreach templates (b2b)
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insurance renewal timeline planner (30/60/90)
free tool: generate a 30/60/90-day renewal checklist for commercial insurance: loss runs, payroll updates, vehicle lists, cois, and market shopping plan.
Frequently asked questions
It can extend protection to the hiring company for certain claims tied to the sub's work.
Rules vary by state and carrier—confirm with a licensed agent.
You can require General Liability (GL), Workers' Compensation (WC), Commercial Auto, and Umbrella coverages.
Yes, you can select a compliance deadline from 48 hours, this week, or next week.
The tool will generate a follow-up reminder message to ensure compliance before the project begins.
It's optional, but highly recommended, and can be toggled in the tool settings.
The default minimum GL limit is set at $1M, which is a common industry standard.
The tool generates a standard message sequence, but you can modify it before sending.
Not legal advice. Confirm requirements in your subcontract and with your insurer.
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Stop missing commercial insurance customer callsExample: Subcontractor Insurance Compliance Checker in action
A project manager needs to ensure all subcontractors are compliant with company insurance requirements before a new construction project begins.
Sample input
- Required coverages: GL, WC, Auto
- Require additional insured endorsement: true
- Require waiver of subrogation: true
- Minimum GL limit: $1M
- Compliance deadline: Next week
Result
Compliance Checklist: - Required Coverages: General Liability (GL), Workers' Compensation (WC), Commercial Auto - Minimum GL Limit: $1M per occurrence - Additional Insured Endorsement: Required - Waiver of Subrogation: Required - Compliance Deadline: Next week Request Message Sequence: 1. Initial Request: 'Please provide your Certificate of Insurance (COI) including GL, WC, and Auto coverages with a minimum GL limit of $1M. Ensure additional insured endorsement and waiver of subrogation are included. Deadline: Next week.' 2. Follow-up Reminder: 'This is a reminder to submit your COI with the required endorsements by next week to avoid project delays.'
About Subcontractor Insurance Compliance Checker
Ensuring subcontractors have adequate insurance coverage is crucial for protecting your business from potential liabilities. The Subcontractor Insurance Compliance Checker simplifies this process by generating a detailed compliance checklist tailored to your specific requirements. This tool helps you outline necessary coverages, specify minimum limits, and ensure essential endorsements are in place.
By using this tool, you can streamline the communication process with subcontractors through pre-formatted request messages. This minimizes the risk of miscommunication and ensures that all parties are clear on the insurance documentation needed before work commences. The tool's reminders and follow-ups help maintain timelines and prevent project delays caused by insurance non-compliance.
How it works
- Select the required insurance coverages for your subcontractors.
- Toggle additional requirements such as additional insured endorsement and waiver of subrogation.
- Set your minimum GL limit and compliance deadline.
- Generate a compliance checklist and request message sequence to send to subcontractors.
When to use it
- A construction company verifying subcontractor insurance before a new project.
- A project manager ensuring all subcontractors meet insurance requirements before contract signing.
- A compliance officer checking insurance documentation for regulatory adherence.