COI collection

How to Get Subcontractors to Submit Certificates of Insurance — A Step-by-Step System for GC Teams

The fastest COI process is clear, early, and easy for the sub to complete.

Updated for construction teams

Ask early

Request the COI when the subcontract is moving, not after the crew is waiting. Tie the request to a clear start date.

Make the request specific

Tell the sub which named insured, certificate holder, limits, and endorsements you need. Vague requests create back-and-forth.

Remove upload friction

A direct upload link works better than email threads. It gives the sub one place to send the file and gives your team one place to review it.

Simple sequence

  • Send the request.
  • Remind before the start date.
  • Block work if proof is missing.
  • Track renewal dates after approval.