Free tools · COI tracker
Every subcontractor, every policy, every expiry date, sorted so the one that lapses first is at the top. It runs in this browser tab. No account, no upload, nothing sent anywhere. Free, and yours to keep as a CSV.
| Subcontractor | Trade | Coverage | Carrier | Policy number | Expires | Add. insured | Waiver of subro | Status |
|---|
Coverage types cover what a general contractor is normally asked to collect: general liability, workers compensation, commercial auto, excess or umbrella, and professional liability. A subcontractor usually needs more than one row, because the policies expire on different dates and that is exactly the thing that gets missed.
Nothing here leaves your browser. The table saves to this browser only, so it is still here when you come back on this device. There is no account, we never receive it, and we could not read it if we wanted to. Clearing your browser data clears this too, so download the CSV if it matters.
A certificate of insurance is a snapshot of a policy on the day it was issued. It is not a promise that the policy is still in force. A sub hands you a valid COI in March, the policy lapses in July, and the certificate in your folder still looks fine. If that sub damages something in August, the claim can land on your policy instead, and your own renewal carries it for years.
A spreadsheet with an expiry column solves most of that, which is why this tool is free and why we would rather you used a spreadsheet than nothing. What a spreadsheet cannot do is notice on its own. The General Contractor plan keeps the same records against the actual job, gives each sub their own login to upload their renewal, and does the noticing. That is the difference you are paying for, and this page is the honest version of the free half.
More detail on what a certificate must actually show: the COI grind.
It is free and there is no account. The catch, stated plainly, is that we build contractor software and we would like you to consider it. That is the whole business model of this page.
In this browser, on this device, using browser storage. It is never transmitted to us. Open the page on a different computer and the table is empty, because nothing synced. Download the CSV if you need it somewhere else.
This tool flags 30 days, because that is the common notice window and it leaves time to chase a renewal before a sub is on site uninsured. Many general contractors chase at 45 or 60 days on larger jobs.
Not yet in this version. You can export to CSV, and adding a row takes a few seconds. If importing matters to you, say so on a call and it is a small build.
No. It shows the policy existed on the date the certificate was issued. Coverage can lapse or be cancelled afterwards without anyone sending you a new certificate. That is why the expiry date, not the certificate, is the thing worth tracking.
It stops the sub's insurer from turning around and coming after you to recover what it paid out. It is commonly required alongside additional insured status, and it is commonly missing from the certificate that gets handed over, so it is worth recording whether you actually got it.
The same records against the job, each subcontractor with their own free login to upload their own renewal, and the expiry noticed before it matters. The product tour opens in your browser with no account.