Track subcontractor COIs without spreadsheets
SubTrack reads every certificate of insurance automatically, tells you exactly who's out of compliance, and chases renewals for you — so an expired COI never becomes your problem.
14 days free, then $49/user·mo. Card required — cancel before it ends and you're not charged.
The spreadsheet always loses
One tab, forty subs, expiration dates typed by hand. Nobody updates it when a policy renews, nobody notices when one lapses, and you find out during an audit — or worse, after an incident, when the certificate you were relying on turns out to have expired in March.
How it works
Add your subcontractors
Type them in, or import a CSV you already have. Company lookup fills in the address and phone so you're not retyping what's already public.
Set what coverage you require
Your minimum limits for general liability, auto, and umbrella, plus whether you require workers comp, additional insured status, and waiver of subrogation.
Send one round of requests
Each sub gets an email listing exactly what their certificate must show, with a secure link to upload it themselves. No account for them to create, nothing for you to forward.
It runs itself from there
Certificates are read on arrival and checked against your minimums. Renewals get chased automatically before they lapse, and anything short of your requirements is flagged on the dashboard.
Built for the part everyone else skips
It reads the certificate, not just the date
Carrier, policy number, each-occurrence and aggregate limits, additional insured and waiver of subrogation checkboxes — pulled off the ACORD form automatically and checked against the minimums you set. A cert that's current but only carries $500K when you require $1M shows up as a problem, because it is one.
Subs upload their own certificates
The request email carries a secure upload link. Your sub — or their insurance agent — drops the PDF in and immediately sees whether it satisfies what you asked for. You stop being the middleman on a file transfer.
Licenses, not just insurance
Track contractor licenses alongside COIs, with one click through to the official state board for every US licensing jurisdiction. Every verification is logged with who checked and when, so "we verified it" is a record instead of a memory. Most COI tools stop at insurance.
Honest about what it can't confirm
When a limit can't be read cleanly off a certificate, we say so instead of guessing. A tool that quietly marks something compliant when it isn't is worse than no tool at all.
Both of these certificates tick the box
Every tool reads the ACORD checkboxes. The question a claim turns on is whether an endorsement actually backs them up — and that answer is further into the document, on pages most software never opens. Two real records from the dashboard:
Sample data, real interface — open the live demo to click through it.
Questions worth asking
What if the certificate is a photo, or a bad scan?
It still gets read — PDFs and phone photos both work. If the read fails or a field is unclear, the certificate is still filed against that subcontractor and flagged for you to review rather than being silently dropped or guessed at.
Do my subcontractors need an account?
No. They get an email with a secure upload link that works without any signup. The link expires after 30 days and is limited in how many times it can be used.
Can my team use it?
Yes. Invite as many people as you need at no extra cost, each as view-only or view-and-edit. Everyone works inside your account and sees the same data.
Does this replace my insurance broker or attorney?
No, and it isn't trying to. SubTrack tracks and verifies what's on file against the requirements you set. Deciding what coverage to require, and what to do about a gap, is a conversation with your broker and counsel.
Can I get my data out?
Any time, and for 30 days after you cancel. Export the whole account to CSV from the dashboard in one click, and there's a read-only API if you'd rather pull it into something else while your subscription is live.
What does it cost?
$49 per user per month for full access, $5 for read-only seats, with a 14-day free trial. The full breakdown is on our pricing page — no demo required to see a price.
Get compliant before the next audit
Set up takes about ten minutes: add your subs, set your minimums, send one round of requests. After that it runs itself.
14 days free, then $49/user·mo. Card required — cancel before it ends and you're not charged.