Track subcontractor COIs and chase renewals automatically
See who is covered, who expires soon, and who has lapsed. When a certificate is running out, SubCover emails the subcontractor a link to upload the new one — no account, no login, nothing for them to install.
No credit card. No sales call.
What the dashboard looks like
| Subcontractor | Status | Expires |
|---|---|---|
| Vega Plumbing Plumbing | Expired 4 days ago | 2026-08-10 |
| Rodriguez Electric Electrical | No certificate | — |
| Bell Drywall Drywall | Expires in 9 days | 2026-08-23 |
| Okonkwo Roofing Roofing | Covered | 2027-03-01 |
Three steps, then it runs itself
Step 1
Add your subs
Name and email is enough. Trade and phone if you have them.
Step 2
Upload what you have
Drop in each certificate and its expiration date. PDF or a photo both work.
Step 3
We do the chasing
Your sub gets an email and a link, uploads the new certificate, and you approve it.
Your subcontractor never has to sign up
This is the part that decides whether COI tracking actually works. Any tool can show you a red badge. The work is getting a busy electrician to send a new certificate — and they will not create an account in your vendor portal to do it.
SubCover emails them a link that opens straight to an upload form with their name already on it. They attach the certificate, type the expiration date, and they are done. It lands in your review queue for approval.
Guides
What a certificate of insurance actually proves
How to read an ACORD 25, and what it does not guarantee.
The COI tracking spreadsheet — free template
A real .xlsx to download, and an honest look at where it breaks.
A sub's COI expired — what now?
The actual exposure, the steps, and an email you can send.
How to request a COI from a subcontractor
Copy-and-paste templates that get a response.
Common questions
- Do my subcontractors need an account?
- No. They get an email with a link, upload their certificate, and that is the end of it. No password, no app, no account. It is the whole reason SubCover exists.
- What does the free plan include?
- Up to 5 active subcontractors with every feature: unlimited certificates, automatic renewal chasing, the review queue, and email reminders. No card required and no trial clock.
- When do you email my subcontractors?
- Thirty days, fourteen days and seven days before a certificate expires, and once the day after it lapses. We never email the same sub twice within six days, so it does not read as spam.
- What happens when a sub uploads a certificate?
- It lands in your review queue rather than going live automatically. You see the document, confirm the expiration date the sub entered, and approve it. The certificate it replaces is marked superseded and kept in the history.
- Can you read the expiration date off the certificate automatically?
- Not yet. OCR of ACORD 25 forms is on the list, but it is not in this version — a wrong date read confidently is worse than a right date typed manually, because you would stop checking.
- Is this insurance, or insurance advice?
- Neither. SubCover is record keeping: it tracks documents and dates and sends reminders. Whether a certificate shows the right coverage for your job is a question for your agent.