Stop the Endless Email Ping-Pong Over Certificates of Insurance
Your agency issues dozens of ACORD 25 certificates every week. SubDoc makes it effortless to verify contractor insurance requirements, upload renewed policies, and get your commercial clients approved instantly.
Clear General Contractor Requirements
No guessing what the hiring GC needs. Upload links clearly outline required coverage limits, aggregate requirements, and required endorsement numbers before submission.
Zero Manual Portal Logins
Forget maintaining separate logins across a dozen clunky enterprise portals. Your client’s direct link opens directly to the upload queue.
Instant Compliance Confirmation
Get immediate validation when your ACORD 25 passes inspection. Your contractor client gets cleared for the jobsite immediately without billing delays.
Endorsements Commonly Checked by SubDoc AI
Ensure your issued certificate includes the necessary endorsements to ensure instantaneous automated approval.
Additional Insured (CG 20 10 & CG 20 37)
Covers ongoing operations and completed operations for the certificate holder and general contractor.
Waiver of Subrogation (CG 24 04 & WC 00 03)
Waives rights of recovery against the certificate holder under General Liability and Workers’ Compensation.
Primary & Non-Contributory Wording
Specifies that the subcontractor policy pays first without seeking contribution from the hiring party’s insurance.
30-Day Notice of Cancellation
Endorsement providing written notification to the certificate holder prior to policy cancellation or non-renewal.
Broker & Agent FAQ
Guidance for commercial insurance professionals working with SubDoc.
Can insurance agents upload COIs directly for contractor clients?
Yes. When your contractor client forwards you their SubDoc invitation email or upload link, you can upload the newly issued ACORD 25 certificate directly from your agency workstation without logging into any third-party portal.
How does SubDoc check endorsements like CG 20 10 and CG 20 37?
SubDoc’s AI OCR inspects the Description of Operations section and attached endorsement schedules for required policy language: Additional Insured status, Waiver of Subrogation (WC/GL), Primary and Non-Contributory wording, and 30-day Notice of Cancellation.
Does SubDoc charge insurance agencies or brokers to submit COIs?
No. SubDoc is 100% free for insurance agencies, brokers, and insured contractors. There are no fees to view requirements or upload certificates.
What should we do if a certificate is flagged or rejected by the hiring GC?
SubDoc provides immediate, itemized feedback specifying the exact coverage gap (e.g., $1M auto limit required vs $500K provided, or missing ongoing and completed operations endorsements). You can upload a revised certificate or endorsement schedule instantly to resolve the flag.