The Subcontractor Insurance Audit Report, Ready Before Your Premium Audit
When your policy year closes, your insurer asks which subs were insured, and for which dates. A sub you can't show was covered is often charged on your premium. This report answers it in one run: every sub's general liability and workers' comp over your policy period, each day uncovered, and every certificate behind it.
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| Sub | GL | Workers' comp |
|---|---|---|
|
Apex Framing LLC WC gap Jul 1 – Aug 14 |
Covered | Partly covered · 45 days |
|
Bright Tile Co Exemption until Mar 1, 2026 |
Covered | Exempt |
|
Coastal Plumbing Inc No certificate on file |
Not covered | Not covered |
|
Delta Electric GL below $1M for June |
Partly covered · 30 days | Covered |
How the insurance audit report works
It's built from the certificates you're already collecting. There's nothing to prepare except the dates.
-
1
Pick your policy period
The dates on your own policy, not the calendar year. Choose the lines your auditor asks about: general liability and workers' comp, plus auto or umbrella if you need them.
-
2
See every sub, line by line
Covered, partly covered with the days uncovered, or not covered, built from every certificate you've collected, including past policy years. Untick anyone you didn't pay in the period.
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3
Hand it over
Download a PDF for the auditor and a spreadsheet for you, or an audit pack with every certificate the report cites.
What an auditor needs, worked out for you
By the policy's dates
A certificate you collected late that shows last year's policy still proves last year. Coverage is read from the policy dates on each certificate, never from when it was uploaded.
Gaps to the day
A renewal that starts the day the old policy expired leaves no gap. A lapse shows as a date range and a day count, the exact stretch an auditor would charge for.
Your GL minimum, checked
Many policies only count a sub as insured at limits like yours. Set a per-occurrence minimum and a policy below it is reported as a gap, with the ADDL INSD box shown beside it.
Workers' comp exemptions
A sub's state exemption certificate, filed with its expiry date, counts as covered up to that date. The report says that only the expiry is recorded.
Nothing assumed silently
A policy row with no dates of its own, or a certificate that couldn't be read, is flagged for you to check by hand. A coverage waiver is your decision, not insurance, so it's still shown as a gap.
The audit pack
One ZIP with the PDF, the spreadsheet and every certificate and exemption the report cites, expired ones included, in a folder per sub. Built in the background and emailed to you.
A status report says today. An audit report says the whole year.
A sub who lapsed for 45 days last summer and has since renewed looks compliant today. The premium audit is about last summer.
| Spreadsheet or inbox | Compliance status report | Insurance audit report | |
|---|---|---|---|
| Covers | Whatever was saved | Today | Your whole policy period |
| Past policy years | If someone kept them | Not shown | Every certificate on file |
| Gaps | Found by hand, if at all | Not shown | Each one, to the day |
| The certificates themselves | Dug out of email | Not included | One ZIP, a folder per sub |
| Who it's for | — | A client or owner asking about now | Your insurer's premium auditor |
Simple, transparent pricing
The insurance audit report is on Pro. The certificates and the policy-year history it's built from are collected on every plan, so they're there when you need the report.
Free
Free forever. No credit card. No expiration date on the free tier.
- ✓AI COI parsing and AI W-9 parsing — carrier, limits, policy dates, name, TIN and tax classification read for you
- ✓Any other document, filed by category — contracts, financials, licensing, insurance
- ✓License tracking in all 50 states, plus automated daily state-database verification
- ✓Magic link uploads — your subs send documents without an account
- ✓Expiration tracking across every license, certificate and W-9
- ✓Weekly compliance digest by email
- ✓Timestamped audit trail
Starter
Solo GC or property manager tired of chasing renewals manually — less than the cost of discovering one expired license on inspection day.
- ✓Everything in Free
- ✓Unlimited subcontractors — no 25-record ceiling
- ✓Automated email alerts at 90/60/30/7 days — sent to your team and the contractor
- ✓Calendar feed — subscribe every deadline into Google Calendar, Outlook or Apple Calendar
- ✓Bulk import — add your roster from CSV or a certificate archive
- ✓Invite a second user to your account
Pro
Multiple job sites or properties, with a foreman or office manager who also needs access.
- ✓Everything in Starter
- ✓AI-parsed endorsements — additional insured, waiver of subrogation, primary & non-contributory, read off the endorsement pages
- ✓Projects — group subs by job or property, with per-project coverage requirements
- ✓Unlimited users & team roles
- ✓Integrations — QuickBooks Online, Zapier, Make, Slack and Teams
- ✓Compliance status reports (PDF & Excel)
- ✓Insurance audit report — every sub's coverage and gaps over your policy year, for your premium audit
No contracts. Cancel anytime. See the full plan comparison →
What your premium auditor will ask for
Expect a list of every sub you paid during the policy period with the amount, and for each one a certificate showing coverage for the dates they worked, or the state's exemption paperwork for workers' comp. The payments come from your accounting system. The certificates are the half that usually goes missing.
The details differ by policy and state. Our guides cover the workers' comp premium audit and the general liability premium audit, including the gaps that cost the most and how to prepare.
Frequently asked questions
What is a subcontractor insurance audit report?
Does the report include what I paid each sub?
Which coverage lines does it check?
How does it handle a sub with a workers' comp exemption?
What if a sub's certificate only covers part of the year?
Can I send the report to my auditor as it is?
Which plan includes the insurance audit report?
Have every sub's coverage ready before the auditor asks
Collect certificates through a link your subs use from their phone, and the policy-year history builds itself.
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