When Your Audit Comes,
Will You Have Everything?
Missing certificates cost general contractors tens of thousands at audit. SubShield 360 makes sure you never get caught with a gap.
The Real Cost of Compliance Gaps
One Missing Certificate Can Cost You More Than the Job
Most states hold general contractors liable when subcontractors lapse coverage. At audit, missing documentation doesn't just raise questions — it raises your premiums.
25–200%
Premium Increase
Missing COIs at audit can trigger premium surcharges of 25% to 200%. Uninsured sub payments get reclassified as your payroll.
$36,400
Annual Manual Cost
Industry data shows teams spend 20+ hours per week chasing certificates by phone and email. That labor cost adds up fast.
100%
Liability Transfer
In most states, if a sole-proprietor sub lapses their WC and gets injured on your job site, you become liable for the full workers’ comp obligation.
How SubShield Protects You
Compliance That Runs Itself — So You Don't Get Surprised
SubShield replaces phone calls, spreadsheets, and OneDrive folders with automated workflows that keep every sub verified and every certificate current.
Audit-Ready from Day One
Every certificate submission, status change, verification, and email is logged with a timestamp. When your auditor asks for proof, you export the full history in one click.
Pre-Payment Verification
Subs cancel policies between draws without telling you. SubShield sends a one-click verification to the agent before every payment — so you never release a check to an uninsured sub.
Expiration Alerts at 30, 15, 10 & 5 Days
Coverage gaps don’t happen overnight. SubShield notifies you and the agent well before a policy lapses, with automated renewal requests built in.
State-Aware Compliance Enforcement
GL minimums, WC statutory limits, Additional Insured endorsements, Waiver of Subrogation — set your state and your defaults once, then SubShield validates every sub against the rules you operate under.
Return on Investment
Stop Paying $36K a Year to Chase Paper
Industry data shows manual COI management costs $36,400/year in labor alone. SubShield pays for itself in the first week.
Manual tracking (spreadsheets + phone)
20+ hrs/week of staff time
$36,400/yr
Enterprise COI software (myCOI, TrustLayer)
Requires 200+ certs minimum
$2,400–4,800/yr
SubShield 360
No minimums, built for your workflow
From $299/yr
Built for the Gap
Too Small for Enterprise Software.
Too Big for Spreadsheets.
Enterprise COI platforms reject you for having too few vendors. Spreadsheets have no alerts, no agent workflows, and no audit trail. SubShield was built for the contractors stuck in between.
Hiring Sole Proprietors? Know Your Liability.
In most states, sole proprietors are exempt from carrying workers' comp on themselves — but if one gets injured on your job site, you may be liable for the full workers' comp obligation.Most GCs don't find out until after an incident.
SubShield flags every sole proprietor sub with an explicit liability acknowledgment. You'll always know where your exposure is — before it becomes a claim.
Your Agents Don't Need Software. They Just Click a Link.
Insurance agents receive a simple email with a magic link — no account, no login, no app download. One click to verify coverage. One click to upload a certificate. Responses are logged instantly and your dashboard updates in real time.
Don't Wait for the Audit to Find Out You're Exposed
Start your 14-day free trial. No credit card required. See every sub's compliance status in minutes — and sleep better before your next audit.