Certificate of Insurance Tracker and Gap Checker

Which of your subcontractors is actually insured today?

Paste a list of your vendors' policies, one row per policy. Set what your contract requires. The page tells you who is expired, who expires inside your lead time, whose limits are under what you require (optionally counting their umbrella), who is missing an endorsement (additional insured, waiver of subrogation, primary and non-contributory), and where a renewal left a gap. Then download a chase list and calendar reminders.

The list is read in this browser tab and never leaves your device. It checks what your list says; a certificate of insurance is not itself coverage, and nothing here confirms a policy with a carrier or agent.

1. Your vendor policy list

A CSV or pasted spreadsheet range with a header row. Columns recognised: vendor, coverage (general liability, auto, umbrella, workers comp, professional), carrier, policy number, each occurrence / limit, aggregate, effective, expiration, additional insured, waiver of subrogation, primary non-contributory.

Choose a CSV file …or paste the list

2. What your contract requires

Check as of

Lead time before expiry (days)

General liability, each occurrence ($)

General liability, aggregate ($)

Auto, combined single limit ($)

Employers' liability, each accident ($)

Umbrella / excess required ($, 0 = not required)

Professional liability required ($, 0 = not required)

Require additional insured (liability policies)

Require waiver of subrogation

Require primary and non-contributory

Let an in-force umbrella make up a primary shortfall

The defaults are common figures, not a recommendation: use your contract's.

Choose a file or paste the list, then click Check the list.

The model, and what it leaves out

In force: a policy counts today if its effective date is on or before the check date and its expiration is on or after it. Of several policies for one coverage, the one in force is used; if none is, the most recently expired is reported.
Lead time: an in-force policy that expires within your lead time is flagged; within 7 days it is an error, otherwise a warning.
Limits: each occurrence, aggregate, auto combined single limit and employers' liability are compared with the figures you set. A primary shortfall no larger than an in-force umbrella's limit is shown as made up by the umbrella when you allow that.
Endorsements: a blank is not a yes. Additional insured is asked of liability policies, waiver of subrogation of those and workers' compensation.
Gaps: the days between one policy's expiration and the next one's effective date for the same coverage.
Not checked: that a policy exists or is paid, that an endorsement actually attaches to it (a certificate does not amend a policy), exclusions, deductibles, retentions, claims-made retroactive dates, the carrier's rating, state requirements, whether a vendor's operations match the policy's classification, or whether your contract's limits are adequate for the job.

Common questions

How do I track subcontractor certificates of insurance?

Put one row per policy in a list (vendor, coverage, limit, effective and expiration dates, additional insured, waiver of subrogation), paste it here and set your contract's requirements. The page shows which vendors are in force, which expire inside your lead time, which are under limit and which lack an endorsement.

What insurance should a general contractor require from subcontractors?

That is set by your contract, your insurer and your lawyer. Common starting points are $1,000,000 per occurrence and $2,000,000 aggregate general liability, $1,000,000 combined single limit auto, statutory workers' compensation with $500,000 employers' liability, and an umbrella sized to the job. The defaults on this page are those common figures, not a recommendation.

Can an umbrella policy make up a shortfall in the primary limit?

Often, but only if the contract says so and the umbrella actually schedules the underlying policy. With the option on, a primary shortfall no larger than the in-force umbrella limit is reported as made up by the umbrella (informational) instead of as an error.

What is a renewal gap?

The days between one policy ending and the next beginning for the same coverage. Work done in the gap is not covered by anything on the list. The page measures it from the effective and expiration dates you give it.

Does a certificate of insurance prove a vendor is covered?

No. An ACORD certificate is informational; it does not amend or extend the policy. This page checks what your list says. Confirming the policy with the carrier or agent, and reading the endorsements, is still your job.

Is the vendor list uploaded anywhere?

No. It is read in your browser and nothing is sent; a test in the code asserts there are no network calls.