Additional insured · Waiver of subrogation · Primary & non-contributory

Insurance Endorsement Verification for Subcontractor and Vendor COIs

A ticked box on a certificate is a claim. The endorsement form is the cover. TrackMyVendor reads the form.

Your subcontract asks for additional insured, a waiver of subrogation and primary and non-contributory wording. The certificate says yes to all three — because the agent ticked the boxes. Endorsement verification reads the endorsement forms themselves, identifies each one by its ISO form number, and checks it against what you require, the moment your sub uploads it.

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Starts a 30-day Pro trial. Endorsement verification is on Pro.

TrackMyVendor dashboard showing subcontractors with missing and expiring insurance requirements, including endorsements

TrackMyVendor subcontractor list on a phone, showing each sub's compliance status

How automated endorsement review works

Endorsement review usually means opening a twenty-page PDF behind every certificate. Here it is three steps, and only the first one involves anyone.

1

Ask for the endorsements, not just the certificate

Require the endorsements on the sub's checklist and their upload link asks for them by name. The endorsement pages can come behind the certificate in one PDF or as separate files — the reader works out which it received. No account, no portal: most subs finish from a phone in under two minutes.

2

Every form is identified by its ISO number

Carriers title endorsements however they like; form numbers are a fixed vocabulary. Each endorsement is classified by its form number first — so a CG 20 01 is read as primary and non-contributory even when the cover sheet calls it "additional insured" — along with its edition, the policy it amends and its dates. Why that form matters: primary and noncontributory, explained.

3

Checked against what you require

Each required endorsement reads as met, expiring, expired or missing on the sub's checklist. A ticked ADDL INSD box on the certificate never satisfies it on its own — only the form does. Set requirements per job.

The four endorsements it reads

Ordered the way a hiring party reads them: who is covered, who can't be sued, who pays first, and who gets told when it ends.

Additional Insured

AI

Forms: CG 20 10, CG 20 37, CG 20 26 and the rest of the CG 20 family; CA 20 48 for auto

Blanket or scheduled; ongoing operations, completed operations, or both; the names printed on a scheduled form.

Waiver of Subrogation

WOS

Forms: CG 24 04 for general liability, CA 04 44 for auto, WC 00 03 13 for workers' comp

Which coverage it amends — so a waiver on general liability isn't mistaken for one on workers' comp.

Primary & Non-Contributory

PNC

Forms: CG 20 01 — the one CG 20 form that is not an additional insured endorsement

Read by form number, which wins when a carrier's cover sheet calls it "Additional Insured".

Notice of Cancellation

NOC

Forms: CG 02 24, IL 02 70, IL 09 85 and carrier equivalents

How many days of notice the insurer owes before the policy is cancelled.

What you see on the sub's record

Every endorsement on file, next to the certificate it came with — and the requirement it answers, or the one still open.

Endorsements

Apex Drywall LLC · general liability

CG 20 10 04 13 · Additional Insured

On file

General Liability · Scheduled · Ongoing ops

Names: Northside Builders Inc.

CG 20 01 12 19 · Primary & Non-Contributory

On file

General Liability

CG 24 04 05 09 · Waiver of Subrogation

Expired

General Liability · Blanket

Required documents

Apex Drywall LLC

Certificate of insuranceOn file
Additional insured endorsementOn file
Primary & non-contributoryOn file
Waiver of subrogationExpired

Required by Riverside Medical Office Building

The sub's upload link asks for the renewed waiver, and nothing they have already sent.

The certificate says yes. The endorsement says whether it's true.

An ACORD 25 is a summary the agent writes. Its ADDL INSD and SUBR WVD boxes are a statement that an endorsement exists — useful, and not the same thing as the endorsement.

From the certificate

–A ticked box per coverage line
–Free text in Description of Operations
–No form number, no edition, no names
–Recorded as a claim, never as cover

From the endorsement form

✓The ISO form number and edition
✓Blanket or scheduled, and the names on a scheduled form
✓Ongoing operations, completed operations, or both
✓Its own dates, and the coverage it amends

The difference matters most at the moment of a claim. See certificate holder vs. additional insured for why being on the certificate is not being on the policy.

What it checks, and what stays with you

Many endorsement review services put a person on every PDF and charge for it. This is automatic, instant and included in Pro — which is why it's worth being exact about where it stops.

Checked for you

✓Which endorsements are on file, by form number
✓Whether each one is current, expiring or expired
✓Whether each required endorsement is met or missing
✓Blanket vs. scheduled, ongoing vs. completed operations

Yours to decide

–Whether a scheduled form names your exact legal entity — we show the names
–Whether an edition or wording satisfies your prime contract
–Anything that needs a legal opinion — that's your broker or counsel

Simple, transparent pricing

Endorsement verification is on Pro. Free and Starter read the certificate itself; on Starter the checklist can still require an endorsement, answered by the endorsement document uploaded against it.

30-DAY FREE TRIAL — No credit card required

Free

$0

Up to 25 subcontractors · 1 user

Organize your roster and run COI tracking at zero cost. Free forever, no credit card.

✓AI COI parsing & W-9 parsing — carriers, limits, dates and TINs read for you
✓50-state license tracking, plus automated license verification against state databases
✓Magic link onboarding — documents arrive through an upload link, no account needed
✓Document vault — contracts, licenses, W-9s and insurance, filed by category
✓Weekly compliance digest — a summary email of upcoming expirations
✓Timestamped audit trail — the full history of every certificate
–Renewal reminders are sent by you — one click emails the upload link

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Starter

$39/mo

Unlimited subcontractors · 2 users

Flat, predictable pricing for active general contractors and property managers.

✓Everything in Free
✓Unlimited subcontractors — no per-record fees and no 25-record ceiling
✓Automated renewal reminders — email alerts at 90/60/30/7 days to your team and the subcontractor
✓Projects & job sites — group subcontractors by job, with per-project coverage rules
✓Calendar feed — deadlines live in Google Calendar, Outlook or Apple Calendar
✓Bulk roster import — from a CSV or a certificate archive
✓2 user seats — invite a second team member or coordinator

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Pro

$59/mo

Unlimited subcontractors · Unlimited users

Full automation, endorsement checks and integrations for growing teams.

✓Everything in Starter
✓AI endorsement verification — reads the additional insured, waiver of subrogation and primary & non-contributory pages
✓Unlimited users & roles — access for foremen, office managers and admins
✓QuickBooks & integrations — QuickBooks Online, the API, Zapier, Make, Slack and Teams
✓Insurance audit report — every sub's coverage and gaps over your policy year, for the premium audit
✓Third-party categories — vendors, tenants, renters and franchisees on their own lists

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The endorsement gaps that show up most

None of these is visible on the certificate. All of them are visible on the forms.

CG 20 10 without CG 20 37

Ongoing operations covered, completed operations not — so a claim that arrives after the job is finished, when many of these claims arrive, falls outside it. CG 20 10 vs CG 20 37.

A scheduled form that doesn't name you

A scheduled additional insured endorsement covers only the parties printed on it. If your entity — or the owner your prime contract requires — isn't on the schedule, the endorsement exists and you still aren't on it.

A waiver on one policy, not the other

A CG 24 04 waives subrogation on general liability. It does nothing for workers' comp, which needs its own WC 00 03 13 — and that is often the waiver a subcontract cares about most.

Last year's endorsement on this year's policy

The policy renewed; the endorsement on file belongs to the old policy number. Endorsements carry their own dates, and an expired one reads as expired even when the certificate behind it is current.

Frequently asked questions

What is endorsement verification?

Endorsement verification is checking the endorsement forms attached to a policy — not just the boxes ticked on the certificate of insurance — to confirm the coverage your contract requires actually exists: additional insured, waiver of subrogation, primary and non-contributory, and notice of cancellation. A certificate is a summary written by the agent; the endorsement form is the part of the policy that gives you the protection.

Which plan includes endorsement verification?

Pro. Reading endorsement forms off uploads is a Pro feature. On Starter you can still require an endorsement on the checklist, answered by the endorsement document uploaded against it; Pro reads the form itself, classifies it and dates it.

Does it check that my company is named on the endorsement?

It shows you. For a scheduled endorsement, the names printed on the form are listed on the record next to the form number, so checking them is a glance rather than opening the PDF. Comparing those names with your exact legal entity stays with you — we show the names; we don't decide whether a near miss counts.

Is a ticked ADDL INSD box on the certificate enough?

No. The ADDL INSD and SUBR WVD boxes on an ACORD 25 are the agent's statement that an endorsement exists. TrackMyVendor records a ticked box as a claim, not as cover — only the endorsement form satisfies an endorsement requirement.

Do you offer human review of endorsements?

No. Endorsements are read automatically the moment they are uploaded, with no review queue and no per-document fee. Whether a particular edition or wording satisfies your prime contract is a question for your broker or counsel; we tell you which form is on file, what it covers and when it ends.

What if the subcontractor sends the endorsements separately from the certificate?

Either way works. Endorsement pages behind the certificate in one PDF, or as separate files — the reader works out which it received. Certificates already on file can be re-read, without anyone uploading them again.

What about carrier forms that don't use ISO form numbers?

Carriers' own forms are matched on the wording of their titles instead — "Blanket Additional Insured", "Waiver of Our Right to Recover From Others" and the like are recognized for what they are. A form whose title says nothing recognizable isn't classified, so it never counts toward a requirement by mistake; the requirement stays missing until a form that answers it is on file.

What happens when an endorsement expires?

An endorsement carries its own dates, or the dates of the document it came on. On the requirements checklist it shows as expiring 30 days ahead and as expired afterwards, so a renewed policy with no renewed endorsement doesn't pass as compliant.

Know you're on the policy, not just on the certificate

Endorsement forms read by number, checked against what you require, and dated — the moment your sub uploads them.

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Starts a 30-day Pro trial