Trusted by general contractors managing subcontractor compliance across projects of every size and complexity.
A certificate tells you a subcontractor is insured. It doesn't tell you whether you're protected.
A single bodily injury or property damage claim can run into the millions. Whether your sub's policy responds when you tender comes down to language the COI never shows. Only a full policy review tells you how well protected you are.
Why General Contractors choose Docutrax.
We meet your requirements. Then we go well beyond them.
Reviewed at the right depth for each trade.
A certificate tells you a policy exists. It can't tell you whether it will pay. The only document that does is the policy itself. We help set the depth of review to match the exposure on each trade.
For your highest-risk trades. We read the full general liability and umbrella policies, the same documents an adjuster opens when a claim hits.
Your sub's insurance company is financially strong
The policy was written for the work the sub is actually doing
The Umbrella coverage aligns to the GL
You’re named as a protected party, during the work and after
The insurer can’t come back to recover what it pays
Then we screen for the buried exclusions that quietly remove coverage.
For low-exposure vendors, suppliers, consultants, and trades. We verify the endorsements that transfer risk:
Additional insured for ongoing operations
Additional insured for completed operations
Waiver of subrogation
Primary and non-contributory
Per-project aggregate
Confirmed against the actual endorsement forms, not the certificate.
Compliant on the certificate. Functionally uninsured in the policy.
This is a real General Liability policy our specialists reviewed for a subcontractor on a New York construction project. The certificate cleared every requirement. The policy was a different story.
Each Occurance:
$1,000,000
General Aggregate:
$2,000,000
Products / Completed Operations:
$1,000,000
Form:
Occurrence
Additional Insured:
Indicated
Waiver of Subrogation:
Indicated
Dates:
Current
Limits adequate, dates current, the right endorsements indicated. This is where every COI tracking platform in the market stops.
Injuries to employees of any contractor or sub on site:
Excluded (overrides separation of insureds — the core of your action-over protection in New York)
Any fall, from any height:
Excluded (direct conflict with NY Labor Law §240)
Work on structures over three stories:
Excluded
Four of New York City's five boroughs:
Excluded entirely
Slip and fall (the most common jobsite injury):
Reduced to $35,000
Work the policy wasn't specifically rated for:
Uninsured
The additional insured and waiver endorsements were present and correctly written. The policy passed every certificate test. But these exclusions are embedded in the base coverage for — no endorsement can cure them. The coverage the GC believed they had wasn't there.
A certificate tracker would have logged this policy as compliant and moved on. Our specialists named every exclusion, attached the reason, and surfaced the decision the GC needed to make before the subcontractor set foot on site.
The platform your projects run on.
Docutrax is the system of record for your subcontractor insurance compliance. Every certificate, endorsement, finding, and resolution retained and time-stamped for the full life of your exposure.
Claims can land years after a job wraps, long after the policy lapses. Be prepared with the proof of exactly what was covered when the work was done. Your PM system won't have it. The sub's broker and agent won't keep it. We will.
Built for how you want to operate.
Subcontractor compliance is available across three engagement models. Same platform, same expert depth where you need it. The choice is how much of the operation you want us to run.
Your team shouldn't be chasing subcontractors.
The Problem
Compliance notices stall. The sub doesn't understand, the broker won't return the call. Your PMs end up chasing. The subs who go quiet surface the day before mobilization.
How We Work It
Working the sub and broker until coverage is fixed is our job. Plain English with the sub, technical language with the broker. The follow-up never lands on your team.
Subs clear faster
Resolution happens proactively, not at mobilization
Fewer fall out of compliance
Gaps found and dealt with well before mobilization
No document chase
Project managers focus on projects, not paperwork
Common questions about working with Docutrax.
We already collect COIs from every sub. What are we missing?
Whatever is written in the policy that the certificate can't show. A COI is a broker-prepared, one-page
summary of a policy that runs 60 to 300 pages, and ACORD 25 says so itself: the certificate is for information only and gives you no rights. The exclusions that defeat a tender live in those pages: height limitations, designated-work exclusions, endorsements naming the wrong entity or skipping completed operations. That's where we read. On full policy review, most GL policies we examine fail under our evaluation methodology, on issues the certificate never reveals. compliance program, one that lifts the burden off your people while giving them the insight, information, and tooling to do their jobs better and faster.
We're in New York. Does that change things?
Yes, because collecting proof of coverage isn't the same as having coverage that pays. You already know Labor Law 240 and 241 put the claim on you and the owner. What's less visible: many policies sold to subs are written to exclude the most common job site claim there is, a sub's own worker getting hurt and the claim landing on you. When you tender that claim, those exclusions are what the carrier points to. We find them before the sub is on your site.
Who's actually reviewing the policies?
CRIS-certified Construction Risk Insurance Specialists, licensed and always US-based. Highly-trained professionals who understand completed operations risk, additional insured scope, and the endorsement language that decides whether a carrier accepts or denies a tender. Over 300,000 reviews across 10+ years, every determination documented by a licensed reviewer.
I don't want to add more work for my team.
Our managed service was designed to take all of the work off your team's plate: collection, review, remediation, and gap resolution. What your team gains is visibility they've never had, live compliance status by project and by sub instead of a spreadsheet that's stale the day it's saved.
What happens when a sub doesn't comply?
We issue a cure notice: what's wrong, what the contract requires, what needs to change. We work the gap to resolution, engaging the sub and their agent directly, and document every touchpoint, so if the sub's status is ever questioned later, the record is already there. Your team sees the status. We close the coverage gaps.
What if a sub's coverage lapses mid-project?
An undetected lapse means whatever happens on that site becomes a claim absorbed by your policy or your cash reserves. We track renewals continuously, re-review replacement coverage against your requirements, and our team engages the sub and their agent directly until the gap is closed. A lapse gets caught and cured before it becomes your problem.
How do you account for the fact that our subs carry different risk?
The same policy language can be harmless on one job and fatal on another, and our review methodology is built to know the difference. We account for this in two ways. Your requirements and review depth vary by trade and risk category: full policy review for the steel erector, certificate and endorsement review for lower-severity trades. And when we review a policy, we read it against the actual work: the project, the location, the scope.
How does pricing work?
Three independent dimensions: how much of the operation you place with our team, how deep the review goes, and the size of your subcontractor population. Adjust any one without changing the others. No surprise fees. See Ways to Work With Us or talk to our team, and we'll size it against what your program
costs you today
What does getting started look like?
We build your requirement profiles from your subcontract language, configure the platform around how your projects and teams are structured, and take it from there: outreach, collection, review, and remediation.
Insurance compliance that actually protects you from subcontractor risk.
Start with a conversation with a team that knows construction risk. We'll walk through your subcontracts, your trade mix, and your project pipeline, then show you how we'd run compliance for the exposure you're actually carrying.
Send us a few of your subcontractors' policies and we'll review them, free, and show you exactly what your certificates are hiding.