Never Miss a Subcontractor Insurance Expiration
One sub's coverage lapses mid-project and their liability shifts straight to you - including the personal exposure and the premium spike. See who's expiring before it becomes your problem, not after a claim.
| Subcontractor | Trade | COI expires | Status | |
|---|---|---|---|---|
| — |
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Why COI tracking falls through the cracks
You collect a certificate of insurance at kickoff and file it away. Six months later that policy has renewed - or lapsed - and nobody sent you the update. Your spreadsheet still shows the old expiration date because nothing forces the conversation. If that sub gets hurt on your site while uninsured, the liability doesn't stay with them - it shifts back to you as the general contractor, along with whatever your insurer does to your premium next renewal.