Certy
Start tracking

Free tools

Free certificate of insurance tools for contractors

Check a COI, write your subcontractor insurance requirements, estimate your workers’ comp audit exposure, and understand the terms that trip everyone up. Free, no signup.

Free ACORD 25 checker

Upload a COI — AI reads it and tells you if it meets your requirements.

Open tool →

Waiver of subrogation explainer

Toggle the waiver on and off and watch who pays when a sub’s worker gets hurt.

Open tool →

Additional insured vs certificate holder

Four questions to identify documents and coverage terms to confirm with your broker.

Open tool →

Certificate of insurance sample (ACORD 25)

Click any box on an annotated sample certificate to learn what to check.

Open tool →

Workers’ comp audit calculator

Estimate what uninsured subs could add to your workers’ comp audit.

Open tool →

Subcontractor insurance requirements generator

Pick the trade and project, get requirements text and a COI request email.

Open tool →

Certificate of insurance checker

Check a COI’s limits, dates and endorsements against your requirements.

Open tool →

Want this done automatically for every sub?

Certy reads every COI, checks it against your requirements and chases renewals. 30-day money-back guarantee.

Try Certy