Audit01
Premium audit2026 policy yearPayroll paid to subsSubs without a valid certificate3Charged to your premium
Premium audit charges
Your insurer bills you for every sub who wasn't covered during the policy year.
Built for contractors and property managers
Never pay for an uninsured sub again.
Sub Certs collects, reads and chases certificates of insurance for you, then shows who's covered at a glance. Catch the gaps before your premium audit does.
No account needed. Files are deleted after 24 hours. Tracking more than one sub? Start free with 5 vendors
app.subcerts.com
Good morning, Dana
XYZ Builders3 certificates are being read
72%compliant
23of 32 covered
9 vendors need something from youExpiring soon3within 30 days
Non-compliant23 open issues
Expired1since Oct 9
Needs review2oldest 1 day ago
Needs your attentionSee all 9
ExpiredRidgeline RoofingGeneral liability ended Oct 9Send reminder
Non-compliantApex Electric LLCGL limit $500K, needs $1MReview
10 minfrom sign-up to seeing who is covered
2 minfor a sub to send a certificate from a phone
60 secto check and confirm one certificate
1 clickto download your audit pack
Status first
Calm screens.
Loud exceptions.
Twenty-three subs are covered, so they stay quiet. The nine who need you light up, worst first, the moment something changes.
ACCAlder Creek CabinetsCabinets
AELApex Electric LLC
Non-compliant
BPBayside Plumbing
Needs review
BMBluestone MasonryMasonry
CICascade InsulationInsulation
CWClearview WindowsWindows
CMCopperline MechanicalMechanical
DFPDelta Fire ProtectionFire sprinklers
EFEastbay FlooringFlooring
FGFoothill GradingGrading
GSTGranite State TileTile
GLGreenway Landscaping
Expiring soon
HPCHarbor Paint Co.Painting
HFHillcrest FencingFencing
IRWIron Ridge WeldingWelding
ISIronclad Steel
Expiring soon
JCJuniper CountertopsCountertops
KCKeystone Concrete
No certificate
LELakeside ElevatorElevators
MSMeridian SolarSolar
NHNorthgate HVAC
Needs review
OCOakline CarpentryCarpentry
PG&Pacific Glass & Glazing
Expiring soon
PSPinecrest SidingSiding
RS&Redwood Stairs & RailStairs and rails
RRRidgeline Roofing
Expired
SWSierra WaterproofingWaterproofing
SDSummit Drywall
Non-compliant
TPTidewater PavingPaving
USUnion ScaffoldingScaffolding
VGDValley Garage DoorsGarage doors
WCSWillow Creek SignsSigns
23of 32 covered9 need you today
- Worst first: expired, non-compliant, then waiting for review
- Renewals lined up for the next 60 days
- A weekly digest every Monday morning
Why it matters
One missing certificate gets expensive
Your insurer, your clients and your own policy all assume every sub on site is covered. When one isn't, the bill comes to you.
Claims02
Claim on your policyRRRidgeline RoofingExpiredTheir coverage ended before the accident, so the claim lands on yours.
Claims on your policy
When a sub's coverage has lapsed, their accident lands on your insurance.
Admin03
RE: RE: COI attached?Mon
Fwd: updated certificateWed
Still need your certificateFri
Hours chasing PDFs
Emails, spreadsheets and reading fine print, every month, by hand.
Clients04
Client vendor reviewProof of insurance for everyone on siteYour general liabilityYour workers' compYour subs2 missing
Failed client checks
Larger clients ask for proof. A gap can cost you the next job.
Every certificate is read, checked against your requirements and chased until it's right. You still make the call.
How it works
Ask. Read. Chase.
You ask once. Sub Certs reads every certificate that comes back and keeps chasing until it's right.
- KCKeystone Concretedispatch@keystonecc.comSentHPCHarbor Paint Co.hello@harborpaint.coSentNHNorthgate HVACservice@northgatehvac.comSentAgents can also emailxyzbuilders@in.subcerts.appStep 1
Ask
Send requests in one click, or give agents your own inbound address. Forward old certificate emails there too.
- Each occurrence$500,000FailRequired $1,000,000Aggregate$2,000,000PassLikely issues · 1Step 2
Read
Every certificate is read in seconds and checked against your requirements. You confirm the result.
- 30 days beforeRenewal reminder to Ironclad Steel and their agent15 days beforeSecond reminder sent7 days beforeLast reminder sentRenewed certificate from Ironclad Steel's agentStep 3
Chase
Reminders and plain-English fix lists go to the sub and their agent on their own, until it's fixed.
For your subs
Your subs upload from their phone in under 2 minutes
No account and no app. They get one link with your logo, a plain list of what you need and the exact wording to send their agent.
- Snap a photo or upload a PDF
- Forward the request to their agent in one tap
- See right away if anything is missing
Checked as soon as it arrivesWorks on older phones
Features
Everything a small office needs, nothing it doesn't
Built for the person who does the chasing today, in email and a spreadsheet.
Audit pack in one click
When the premium auditor calls, download one ZIP: every vendor's coverage for the policy year, gaps flagged, and every certificate filed by vendor.
Apex Electric LLC · 2026policy year coverage
JanFebMarAprMayJunJulAugSepOctNovDec
General liability
to Mar 1, 2027COI_Apex_2026.pdf
Auto
to Jan 15, 2027COI_Apex_2026.pdf
Workers' comp
to Jul 1, 2027COI_Apex_WC_2025.pdfCOI_Apex_WC_2026.pdf
9-day gap in general liability. It appears in the audit pack gap report.
Reads every certificate
Limits, dates, endorsements and the holder name, checked against your rules. You confirm every result.
Certificate holderXYZ Builders LLC
Pass
Policy periodApr 2, 2026 to Apr 2, 2027
Pass
Waiver of subrogationNot found
Looks like Summit Drywall94%Required on workers' comp
Your own inbound address
Agents keep emailing certificates like they do today. Each one is matched to the right vendor.
xyzbuilders@in.subcerts.app
COI_Ironclad_2026.pdfAgent email, 2 min agoIronclad Steel
Bayside_COI.pdfAgent email, 2 hours agoBayside Plumbing
Reminders on autopilot
Renewal reminders go to the sub and their agent 30, 15 and 7 days before a policy expires. They stop when a certificate arrives.
30 days
15 days
7 days
Unanswered requests get reminders on day 3, 7 and 14
Requirement templates
Start from a template written in plain English, then change any limit.
Standard subcontractorHigh-risk tradeProperty vendor
General liability of at least $1M per occurrence and $2M total, with your company as additional insured.
Fix lists agents can act on
Plain wording instead of jargon, sent to the sub and their agent with a link to upload the corrected certificate.
XBXYZ Builders via Sub CertsYour certificate for XYZ Builders needs changes
- Your general liability limit per occurrence must be at least $1,000,000 (currently $500,000).
- Add XYZ Builders LLC as additional insured on general liability.
Upload corrected certificate
Bring what you have
Import your vendor spreadsheet and drop in up to 50 certificates at once. Most teams are set up in about 10 minutes.
Ridgeline_COI_2026.pdfMatched to Ridgeline Roofing
scan_0042.jpgReading
Apex Electric renewal.pdfUploading
Pricing
Simple pricing, no contracts
Priced by active vendors. Archived vendors are free. Cancel anytime.
FreeFor trying it on your next job
$0forever
- 5 active vendors, 1 user
- Every feature
- "Powered by Sub Certs" on vendor emails
Start freeNo card needed
StarterFor a busy office
Most teams$29a month
- 30 active vendors, 2 users
- No "Powered by" badge on vendor emails
- 14-day free trial
Start 14-day trialCard required for the trial
ProFor more subs and a bigger team
$59a month
- 100 active vendors, 5 users
- Everything in Starter
- 14-day free trial
Start 14-day trialCard required for the trial
Every plan includesCertificate readingVendor portalRemindersInbound addressRequirement templatesAudit pack
More than 100 vendors? Talk to us about a custom plan. Compare all plans
Do my subs need an account?
No. Each request has a private link that works on any phone for 30 days. They can upload, take a photo, or send it to their agent.
Does Sub Certs verify coverage with the insurer?
No. We read the certificate your sub sends and check it against your requirements. A certificate is for information only; check important details with the insurer or your insurance advisor.
Which certificates can you read?
Standard ACORD 25 certificates and most other formats, as PDFs or photos. If a file can't be read, you can enter the details yourself or ask for a clearer copy.
Is my data used to train AI?
No. Certificates are read through paid AI services that don't train on customer data. Files from the free checker are deleted after 24 hours.
What happens when I reach my vendor limit?
Your vendors keep working. To add more, move to a bigger plan or archive vendors you no longer use. Archived vendors are free.
Can I cancel anytime?
Yes, from Settings. You keep your plan until the end of the period you paid for, then move to Free.
Sub Certs
Know who's covered by Friday.
Add your vendors, drop in the certificates you have, and see every status in about 10 minutes.
Free for 5 vendors. No card needed to start.