Know who's in your building, and that they're covered.
You carry the risk whether or not you hired the crew directly. SubSub keeps the proof of coverage where you can see it, without you becoming the filing clerk.
Free for up to 3 contractors. No card, no contract.
The exposure is yours. The paperwork usually isn't.
When something goes wrong on your property, the question is whether the contractor was covered and whether you were named. Those answers should not require a search.
Certificates you've never seen
Your GC holds them, or says they do. You find out which at the worst possible moment.
Not named as additional insured
The single most common gap, and the one that decides whether their policy responds for you at all.
Limits below what your lender requires
A loan covenant says $2M aggregate. The certificate on file says $1M and nobody compared them.
No record of who worked when
Two years later there's a claim and no way to establish who was on site or what they were covered for.
Coverage verified against your requirement
Each limit checked line by line — general liability, aggregate, products and completed operations, auto, employer's liability.
Named insured confirmed explicitly
Being named on the CGL, primary and non-contributory, is a confirmation the reviewer has to make.
Licences checked against the state
Verified live against the registry, which also reports the bond and insurance the state has on file.
A dated record that holds up
Who approved which document, on what date, at which limits — kept rather than overwritten.
How the proof gets there.
Whether you engage contractors directly or through a manager.
Set your requirements once
The limits your lender and insurer expect become the standard every contractor is measured against.
Contractors upload their own documents
Each gets a free login and maintains their own certificates, bond and signed agreement.
Every document is reviewed, not just filed
Someone confirms the limits, that you're named, and that the licence is active — and that approval is recorded.
Nobody uncovered gets scheduled
A contractor with an outstanding item can't be assigned to work at your property.
Renewals handled before they lapse
Expiry dates are tracked and the contractor is reminded automatically, so coverage doesn't quietly end.
What you can answer at any moment.
The questions that come up from lenders, insurers and counsel.
- Who is working on the building right now, and which trade each one is covering.
- What limits they carry, on which policy, with which carrier, expiring when.
- Whether you're named as additional insured on each contractor's general liability.
- Who approved it and when — including any limit accepted below requirement and the reason given.
- Who worked on what, historically, with the work orders and ratings attached.
See it against one of your own certificates.
Book a demo and bring a certificate from a contractor working your building. We'll run it through the review live.