Covered

Insurance tracking for general contractors

Know every sub on your job is covered.

Covered collects your subcontractors' certificates of insurance, reads the policy dates and limits, and chases renewals before anything lapses. No spreadsheet, no digging through email.

Start your free trial Watch the 3-minute demo

14 days free. No card needed. Set up with your subs in about 15 minutes.

Subcontractor complianceMaple St. renovation
9current
2expiring ≤30d
1lapsed
  • Ridgeline ElectricGL $1M/$2M · WC · exp 03/14/2027Current
  • Alvarez DrywallGL exp 10/08/2026 · reminder sent14 days left
  • Northgate PlumbingMissing: additional insured endorsementNeeds fix
  • Summit Roofing Co.WC expired 09/01/2026 · 3 remindersLapsed
  • Keystone ConcreteGL $1M/$2M · Auto · exp 06/30/2027Current

Example data

One lapsed policy can land on your insurance.

If an uninsured sub gets hurt or causes damage on your job, the claim can come back to you, and your carrier's audit can bill you for their payroll. Most small GCs track this in a spreadsheet that nobody updates.

How it works

Set it up in an afternoon. Then stop thinking about it.

  1. Add your subs

    Paste a list or import a spreadsheet. Each sub gets a private upload link, with no account needed on their end.

  2. Certificates come in

    Subs or their agents upload the COI. Covered reads it and pulls out carriers, limits, and every policy date.

  3. Checked against your rules

    Set your minimum limits and required endorsements once. Anything short gets flagged with the exact reason.

  4. Renewals chased for you

    At 30, 14, and 3 days before expiry, Covered emails the sub and their agent. You get one weekly summary.

What we check

Every line on the ACORD 25 that matters to you

  • General liability per-occurrence and aggregate limits
  • Workers' comp and employer's liability, or a valid exemption
  • Auto and umbrella, when your contract requires them
  • You named as additional insured, plus waiver of subrogation
  • Policy dates, so you know which subs are clear to be on site today
Northgate Plumbing: certificate review (example)
General liability, each occurrence$1,000,000 ✓ meets $1M
General aggregate$2,000,000 ✓ meets $2M
Workers' compensationStatutory · exp 04/30/2027 ✓
Additional insuredNot indicated ✗ required
Waiver of subrogationY ✓
Next actionRequest endorsement from agent, sent automatically

Pricing

Flat monthly price. No setup fee, no per-certificate charges.

Start with a 14-day free trial, no card needed. Cancel anytime. Your subs never pay anything or need an account.

Crew

$49 / month

Up to 25 active subs

  • Certificate reading
  • Automatic renewal reminders
  • Weekly summary email
  • Emails copy the sub's insurance agent

Builder

$99 / month

Up to 100 active subs

  • Everything in Crew
  • Up to 100 active subs

Firm

$199 / month

Up to 300 active subs

  • Everything in Builder
  • Up to 300 active subs
  • Priority support

Questions

Common questions

Do my subcontractors need to sign up for anything?

No. Each sub gets a private link to upload their certificate. Their insurance agent can use the same link.

What if a certificate is a blurry scan?

Covered reads typed and scanned ACORD 25 forms. If it can't read a field with confidence, it flags that field for you to confirm instead of guessing.

Is this only for general contractors?

General contractors are first. Property managers and facility teams who hire vendors have the same problem, and they're welcome to try it.

Does Covered replace my insurance agent?

No. Covered keeps track of the paperwork your agent and your subs' agents produce. Questions about coverage still go to your agent.

How does the free trial work?

You get 14 days with every feature and no card required. Pick a plan any time before the trial ends. If you don't, your data stays safe, but reminders pause until you choose one.

Can I cancel anytime?

Yes. Plans are month to month with no contract. Cancel from the Billing page and you keep access until the end of the month you paid for.