Meet the subcontract’s insurance terms before you mobilize.
Subcontracts often carry the strictest insurance terms a trade business signs, and a gap can hold up payment or site access. Send the subcontract and your policies, and we cite every requirement to its clause and check it against your policy wording. Free, reviewed by a person and back within one business day.
What you get
- Every insurance requirement in the subcontract and its exhibits, cited to the clause
- Limits checked per occurrence, aggregate and per project where the contract asks for it
- Additional insured for ongoing and completed work checked for every party the contract names
- Waiver of subrogation and primary wording checked on each policy, including workers’ comp
- Wrap-up and owner program terms flagged so you know what your own policies must still cover
- Plain questions to take to your broker or the general contractor, saved with the subcontract
How it works
- 01
Send the subcontract
Upload the subcontract, its insurance exhibit and any prime contract terms passed down to you.
- 02
Every clause is read
Software extracts each requirement with its citation and compares it with your policies and endorsements.
- 03
A person reviews
A qualified reviewer checks limits, additional insured and waiver terms before release.
- 04
You get a cited report
Each requirement, its status, the evidence and the next step, ready for your broker.
What to send
- The subcontract and its insurance exhibit
- Any prime contract or owner terms incorporated by reference
- Declarations pages for liability, auto, workers’ comp and umbrella
- Forms and endorsements schedules for those policies
- The general contractor’s certificate request and your start date
What you receive and when
Our standard is a cited report within one business day of receiving complete documents. If anything is missing, a person tells you within one business hour what we still need. Both standards apply 8 am to 6 pm Pacific, Monday to Friday.
Get a free subcontract checkQuestions, answered
What insurance do subcontracts usually require?
Most require general liability, auto, workers’ comp and umbrella at stated limits, with the owner and general contractor as additional insured for ongoing and completed work. Many add waiver of subrogation, primary and noncontributory wording and a per project aggregate. The clause and its exhibit decide what applies.
Is the subcontract check really free?
Yes. There is no card, no subscription and no obligation, and you keep your broker. We read the subcontract against your policies and report what we find. If you later want SF Coverage to close a gap or handle your insurance, that is a separate conversation.
What is a per project aggregate?
It is an endorsement that gives each project its own aggregate limit, so claims on one job do not use up the limit for another. Many general contractors require it. We check whether your policy carries it and cite the form that provides it.
What if the job is under a wrap-up program?
A wrap-up is an insurance program bought by the owner or general contractor for work on that site. It usually changes what your own policies must provide, and often leaves gaps for off-site work and completed operations. We flag those terms so you know what still sits with you.
Is this legal advice?
No. The check compares the insurance terms in the subcontract with the wording of your policies and reports what it finds. It is general information. Indemnity and other contract terms belong with your lawyer, and California has its own rules on indemnity in construction contracts.
What happens to my documents?
They are confidential. They are used only to complete your check, never sold and never used to train AI models. Access is limited to the people working on your request, and you can ask us to delete them at any time.
Clear the subcontract before you mobilize.
Send the subcontract, its insurance exhibit and your declarations pages. Within one business day you get every limit, endorsement and waiver checked against your policies.