Know which subs are covered before your auditor does.
COITick keeps every subcontractor's certificate of insurance in one place, checks the dates and limits against what you require, and tells you who to chase this week.
Three steps, then it mostly runs itself.
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Drop in the certificate
Upload the PDF your sub's agent sent. COITick reads the policy dates and limits for you to check.
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See who's short
Every sub gets a green, yellow or red tag based on your minimum limits and whether you're named as additional insured.
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Chase in one click
Send a ready-written email to the sub and their agent listing exactly what's expired or missing.
One uninsured sub can land on your bill.
At your annual premium audit, a sub who worked for you without proof of insurance can be counted as if they were your own employee. You pay the premium on what you paid them.
Most small contractors track certificates in a spreadsheet and a folder of PDFs. That works until someone's policy quietly lapses in the middle of a job.
- Paid to an uninsured framing sub
- $80,000
- Your workers comp rate for framing
- $9 per $100
- Added to your workers comp at audit
- $7,200
- An illustration. Actual rates depend on your state, class codes and carrier.
We're setting up contractors one at a time.
Leave your email and roughly how many subs you use. We'll help you load your current certificates and set your requirements.