Certificate of insurance
Monitor subcontractor COIs at scale
Track insurance for every subcontractor on a job with requirement checks, renewal alerts, and a complete certificate history per vendor.
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Related: COI Tracker · Certificate of insurance · Vendor insurance certificate tracking · COI expiration alert system · COI requirements tracking · All solutions
The common problem
General contractors inherit liability from subcontractors whose insurance lapses mid-project. Spreadsheet tracking breaks when dozens of subs rotate on site.
- Sub COIs are collected once at onboarding then forgotten
- No alert when a sub certificate expires during active work
- Additional insured requirements vary by prime contract
- Audit requests require rebuilding sub insurance files from email
How COI tracking works
Collect
Request certificates from vendors through a secure link or upload files your team already has.
Extract
Expiration dates, coverage types, and limits are captured from ACORD certificates for review.
Monitor
Reminders fire before certificates lapse so uninsured vendors do not slip through approvals.
Benefits
- Expiration alerts before coverage lapses
- Requirement checks against your limits and endorsements
- Vendor self-service certificate upload
- Audit-ready history for risk and procurement reviews
Vendor records
Track every sub on the vendor record
Each subcontractor gets a monitored COI profile linked to projects and prime contracts so insurance status is visible before site access.
Requirement checks
Enforce prime contract insurance terms
Apply coverage minimums and additional insured rules from the prime agreement to each subcontractor tier.
- Tiered requirements by trade or contract
- Expiration alerts during active projects
- Blocked approvals when coverage lapses
Evidence
Prove diligence to owners and auditors
Export certificate history showing when each sub was verified, renewed, and notified before expiration.
Who it's for
- General contractors managing subcontractor compliance
- Construction risk managers overseeing job sites
- Facilities teams with rotating vendor crews
- Project managers requiring current COIs before work starts
What good looks like
- Every active sub has a current COI on file
- Requirements match prime contract terms
- Expiration alerts fire during active projects
- Lapsed coverage blocks site or PO approval
- Sub certificate history exports by project
Need a tracked version? Set up a vendor portal, vendor onboarding workflow, or browse all solution guides.
FAQ
Yes. Link vendor COI status to projects so project managers see insurance readiness in context.
Yes. Subcontractors renew COIs through secure links without internal accounts.
Configure endorsement requirements per tier and flag certificates that need follow-up.
Yes. Keelstar tracks workers comp along with liability lines on ACORD certificates.
Keelstar covers W-9, COI, OIG screening, contracts, invoices, and policies on shared vendor records.