Subs show up before their paperwork.
The crew is on site Monday. The certificate is "coming from the agent." It's Thursday.
For general contractors, builders and trades
Every sub's COI, before they're on site.
Collateral collects certificates from your subcontractors, checks them against your requirements, and chases renewals for you. Your project managers get their afternoons back.
- Free for up to 50
- No credit card
- They don't need an account
The COI file is always one job behind.
Renewals hide in the middle of a job.
A sub's GL renews in month four of a six-month project, and nobody asks for the new one.
Audits want everything at once.
Your carrier's premium audit or an owner's request means digging through a year of email for proof.
How it works
From chasing to checked.
- 1
Add your subcontractors
A name and an email for each sub, one at a time or from a spreadsheet.
- 2
Send the request
Each sub gets a phone-friendly link and uploads a certificate without making an account, or forwards it to their insurance agent.
- 3
Let Collateral keep track
It reads each certificate, flags what may need review, and asks again before anything expires.
What helps most
Built for how subs actually respond.
COI requests
One link per sub. They upload from the truck, or forward it to their agent in one tap.
Learn moreInsurance requirements
Set your GL, auto, workers comp and umbrella limits once. Override them per project.
Learn moreCertificate reading
Collateral reads the ACORD 25, including Additional Insured and Waiver of Subrogation.
Learn moreAutomatic reminders
A renewal request goes to the sub 60 days before their policy expires.
Learn more
Construction
Common questions
Yes. Set your standard requirements once, then override only what changes for a project, such as a higher umbrella limit for a commercial job. Each sub is compared against the requirements for the project they're on.
Your subs have work to do. Chasing paperwork shouldn't be yours.
Create your free account and send your first request in minutes.