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Subcontractor Insurance & License Tracker
Track every subcontractor's COI, workers comp, general liability, license number, and expiration dates in one master spreadsheet. Get alerts before certs expire.
State license classification (electrical, plumbing, general, etc.)
COI received date and document storage reference
90-day, 60-day, 30-day expiration warning flags
Notes column for follow-up status
Instructions for how to add your company as additional insured
Who This Is For
Every GC who hires subs needs this. If a sub gets injured on your site and has no workers comp, you could be liable. If a sub's general liability lapses and they damage the homeowner's property, you could be sued. Tracking 8-15 subs manually across multiple expiration dates is impossible without a system. This tracker makes it a 10-minute monthly task.
What Professionals Say
★★★★★
Had a sub whose workers comp lapsed without telling me. This tracker flagged it 30 days before it expired. We collected the renewal COI before they came back to site.
— Marcus D., general contractor
★★★★★
My insurance agent told me I needed a system like this. We have 12 regular subs — tracking expiration dates in my head was insane.
— Linda K., construction company owner
★★★★★
Simple spreadsheet that does exactly what I need. No subscription, no app to learn. Download and start using it.
— Tom R., remodeling contractor
Frequently Asked Questions
What insurance do I need to verify for each subcontractor?
At minimum: general liability (usually $1M per occurrence / $2M aggregate), workers compensation (required in most states), and auto liability if they drive company vehicles. Request you be added as additional insured on their GL policy for each project.
What is a Certificate of Insurance (COI)?
A COI is a one-page document from the sub's insurance carrier listing their policy types, coverage amounts, and expiration dates. Always collect a current COI before any sub starts work — not after.
How often do I need to update COIs?
General liability and workers comp policies are typically annual. Set a reminder 60 days before expiration to request updated COIs. Allowing expired insurance is a serious liability risk and may void your own coverage.