Construction insurance compliance
Every contractor on site, insured and on file.
For owners, developers, construction managers and contractors. Collect each trade’s certificate of insurance from a link, check it against your contract automatically, and request renewals before they lapse.
From $49/month · No account needed for contractors · 30-day money-back guarantee
- General liability$1M / $2M
- Auto liability$1M CSL
- Additional insured on GL
- Auto expiresin 19 days
- Vendor emailed with the fix list · just now
Illustration with example data
Why it matters
Construction risk is contractual. So is the proof.
Risk flows down. Paperwork doesn’t.
Your prime contract requires every tier to carry insurance and name the owner. Proving it for each specialty contractor is a full-time job.
Owners and lenders want proof now
A draw request, an owner audit or a lender’s checklist asks for every trade’s current COI, and half of them expired last quarter.
Specialty trades, special risks
Roofers, steel erectors, excavators and crane operators carry the highest limits and the most endorsements, and miss them most often.
Every trade, one screen
Answer the owner’s checklist in minutes.
Each contractor has a status from their latest COI (compliant, expiring, expired, not compliant or missing) with the reason in plain English.
Start tracking contractorsCompliant
41Expiring ≤ 30d
5Missing
2How it works
From bid package to closeout.
Match your contract requirements
Limits for GL, auto, umbrella and workers’ comp, plus additional insured, waiver of subrogation and the certificate holder name.
Collect from every contractor
Each contractor or trade gets a private upload link. They send a PDF or phone photo. No account needed.
Stay draw- and audit-ready
Every certificate is read and checked automatically, and renewals are requested before they lapse.
Fair questions
What construction teams ask first.
“We’re an owner/developer, not a GC.”
Certy works for anyone collecting COIs from contractors. Track your GCs, direct-hire trades and consultants in one place.
“Our projects use a wrap-up (OCIP/CCIP).”
Wrap-ups usually cover on-site GL and workers’ comp, but contractors still need auto and off-site coverage. Set your requirements for what’s outside the wrap.
“We need endorsements, not just certificates.”
Certy checks the ADDL INSD and SUBR WVD boxes on each certificate’s general liability line and flags them when they’re missing. Keep endorsements on file for high-risk trades, and ask your broker to review them.
Done for you
Send us your COIs. We’ll set you up.
Starting is the hard part. Email us the certificates you already have — a folder, a zip, a messy inbox export — and we’ll load your first 50 contractors, set your requirements with you, and send their upload links. Free with any plan.
- Your first 50 contractors loaded for you
- A short call to match your contract’s insurance requirements
- Upload links sent to every contractor on day one
- 30-day money-back guarantee
Features
Everything you need to stay covered.
Reads any COI
ACORD 25 PDFs, scans and phone photos. Carriers, limits, dates and endorsement boxes extracted.
Checks against your contract
Plain-English reasons when a certificate falls short, so you can send it straight back to the contractor.
Every trade in one list
GCs, specialty contractors, consultants and suppliers who come on site, each with a current status.
Additional insured and waivers
ADDL INSD and SUBR WVD checked on the general liability line when your requirements call for them.
Renewal reminders
Emails 30, 14 and 7 days before any policy lapses, then weekly until it’s fixed.
Upload links
Add the link to your bid package or contract packet so certificates arrive before mobilization.
Pricing
Priced by contractors, not by project size.
Every plan includes upload links, reminders and compliance checks.
Starter
For small crews and single properties.
- 25 active subs
- 50 AI certificate reads / month
- Sub upload links — no login for subs
- Automatic expiry & missing-COI reminders
- Compliance check against your requirements
Growth
For busy GCs and growing portfolios.
- 150 active subs
- 300 AI certificate reads / month
- Sub upload links — no login for subs
- Automatic expiry & missing-COI reminders
- Compliance check against your requirements
Pro
For large subcontractor and vendor lists.
- 500 active subs
- 1,000 AI certificate reads / month
- Sub upload links — no login for subs
- Automatic expiry & missing-COI reminders
- Compliance check against your requirements
30-day money-back guarantee — if it isn’t right for you, we refund your first payment.
FAQ
Questions, answered.
- 01
Who uses Certy in construction?
General contractors tracking subs, owners and developers tracking their contractors, construction managers, and specialty contractors tracking their own lower-tier subs.
- 02
Which insurance requirements can I check?
General liability (each occurrence and aggregate), auto, umbrella/excess, workers’ comp and employers’ liability limits; additional insured and waiver of subrogation indicators; the certificate holder; and expiration dates.
- 03
Do state workers’ comp rules affect what I collect?
Yes. Thresholds, exemptions and statutory employer rules vary. See our state-by-state workers’ comp requirements guide for the states you build in.
- 04
Can you load our existing certificates?
Yes. Email us the COIs you have and we’ll load your first 50 contractors, set your requirements and send their upload links. Free with any plan.
Keep every trade’s insurance current, from bid to closeout.
Start in minutes, or email us your COIs and we’ll set it up. 30-day money-back guarantee.
Building in several states? Workers’ comp requirements by state →