Send us your sub list. In 48 hours you'll know which subs have workers' comp, which are exempt, and which could end up on your audit bill.
No login, no software, no cost. Checked against state coverage records, and reviewed by a person.
When a sub has no comp, the bill doesn't disappear. It often lands on the contractor who hired them.
Your premium audit can add an uninsured sub's payroll to your own bill, months after the job is done.
In many states, if a sub's worker is hurt and the sub has no comp, the claim can come back to you.
A PDF can be old, edited or cancelled the week after you got it. Exemptions expire too, and they don't cover employees.
Three steps, and the first report is free.
A spreadsheet, a photo of a handwritten list, or just names. Add certificates if you have them. We'll ask your subs for the rest, from you.
We read every certificate and check it against your state's proof of coverage and exemption records. A person on our team reviews every report.
Each sub is marked covered, exempt, expiring or missing. We watch the dates and tell you before anything lapses.
No dashboards to learn. Just a clear answer for every sub on your job.
| Sub | Trade | Status |
|---|---|---|
| Bayline Plumbing LLC | Plumbing | Covered to 08/2027 |
| Coastal Air Pros | HVAC | Expires in 21 days |
| R&J Electric | Electrical | Exempt, 3 employees |
| Sunstate Drywall | Drywall | No coverage found |
| Greenway Landscape | Landscape | Covered to 02/2027 |
When your premium auditor asks for proof that your subs were insured, we put it all in one place.
Your auditor decides what proof to accept. The packet makes it easy for them to say yes.
If other people's workers are on your job or your property, their coverage is your problem.
Know every sub is covered before they start, and keep your audit clean.
Check every vendor who sets foot on the property, from roofers to the landscaping crew.
Get approved faster. Send your certificate once, and every contractor who uses CertMonster sees you're covered.
Each state keeps its own coverage records. We check the right ones for where your job is.
Working in another state? Send your list anyway and we'll tell you what we can check.
Whatever your trade, we can quote your workers' comp, with real underwriters you can talk to. Answer a few questions and you'll have numbers within 2 business days of us having complete information.
Send whatever you have. We'll do the chasing.
Yes. The sub check and the ongoing reminders cost nothing. We're a licensed insurance agency, and some subs who need coverage choose to buy it from us. That's how we pay for it.
No. We don't quote your own policies unless you ask. We only offer quotes to subs who are missing coverage or coming up for renewal.
We don't trust the PDF alone. We check each sub against the state's proof of coverage and exemption records, and a person on our team reviews every report before it goes out.
A short text or email that says you asked for their certificate, with a simple way to send it. If they're missing coverage, they can request a quote. Nobody gets pushed.
Yes. We build an audit packet listing every sub you paid, their insurer, policy number and dates, and where we confirmed it: the certificate plus a dated check of the state's records. Gaps are flagged with what you paid during them, so nothing surprises you. Your insurance company's auditor still decides what proof to accept.
Your sub list is used to run your report and reminders. We don't sell it or share it with other contractors.