For general contractors
Every sub on site, insured the way your contract says.
Okay to Work checks each subcontractor's certificate of insurance against your requirements and emails the sub until it's fixed. You step in only when something needs you.
One uninsured sub can show up as a bill at your insurer's year-end audit, or as a claim on your own policy.
14 days free, no card. From $49 a month. Or check one certificate free.
- Built for the ACORD 25 form
- Checked against your requirements, not a generic list
- Encrypted, stored in the US, deleted 60 days after you leave
Why it matters
- At your insurer's yearly premium audit, a sub without a valid certificate can be charged to you as if their work were your own.
- If an uninsured sub causes an injury or damage, the claim can land on your own policy.
- Project owners ask for proof that every sub is covered. A shareable proof page answers them in one link.
What gets checked
On every certificate, from electricians, plumbers, framers, roofers, HVAC and every other trade you hire.
- General liability, auto, umbrella and workers' comp limits against your requirements
- Expiry dates, with renewals requested 30 days ahead
- Your company named as certificate holder
- Additional insured and waiver of subrogation shown where you need them
How it works
- 1
Send in certificates
Drop in your COI folder once, then forward or cc new certificates to your own address.
- 2
Each one is checked
Within minutes, against your requirements. Anything unclear is flagged for you to confirm.
- 3
Vendors fix it
Each vendor gets an email saying exactly what to change, with reminders on day 3 and day 7.
Founding customers: the first 10 companies keep their sign-up price for as long as they stay subscribed.
$49 a month for up to 25 vendors, $99 for up to 100, $199 for up to 300. See pricing. Free guide: Insurance requirements for subcontractors by trade.