A certificate on file isn't enough. To keep a sub off your audit, their COI needs a workers' comp line and dates that cover the whole time they worked for you. Check each sub below.
Your exposure
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Add a subcontractor to check.
⚠️ This checks the three things auditors look at on a COI (WC line present, and coverage dates covering the work window). Dollar figures use the same estimate as our calculator — real 2024 Florida class rates scaled to your state — and are planning estimates, not quotes. It does not verify the certificate is genuine or that limits meet your contract, and it isn't insurance or legal advice. Always confirm coverage with the carrier or your agent.
Stop checking by hand.
The full version watches every sub's coverage against what you actually paid them — all year — and builds your audit-ready binder automatically. Get early access.