Certificate of Insurance Management Program for General Contractors
At Insurance Professional Agency Incorporated, we have a long history of providing comprehensive support to the construction industry. Our Certificate of Insurance Management Program is specifically designed for general contractors who rely on subcontractors to get the job done. This program gives you peace of mind knowing that every subcontractor working under your projects is properly insured, compliant, and covered for the work they perform.
As a general contractor, you take on significant risk when hiring subcontractors. Insurance policies can include exclusions, limitations, or lapses in coverage that may not be immediately visible on the surface — and because your staff isn’t licensed to interpret insurance contracts, some exposures can go unnoticed.
That’s where our team steps in. We act as your behind-the-scenes insurance partner, reviewing and tracking subcontractor Certificates of Insurance to ensure compliance and accuracy. Our program monitors renewals and coverage changes throughout the year, ensuring that you always have up-to-date and valid documentation.
When a subcontractor’s policy renews, we obtain and review the updated Certificate of Insurance. Once verified and confirmed that the coverage meets your project requirements, we share the approved documentation directly with you.
This consultative service ensures your subcontractors maintain the right coverage — and your business remains protected from the hidden risks that can derail a project.
Additional Benefits for Audit Compliance:
Our Certificate of Insurance Management Program also plays a key role during workers’ compensation and general liability audits.
- Workers’ Compensation Audits:
When it’s time for your workers’ compensation audit, you’ll need to provide certificates of insurance for your subcontractors. These certificates confirm that your subcontractors carried their own workers’ compensation coverage — preventing the amounts you paid them from being treated as payroll and added to your premium. Our tracking system ensures that these certificates are organized, accessible, and audit-ready. - General Liability Audits:
For general liability audits, many policies offer favorable rating treatment — or do not charge additional premium — for subcontracted labor when the general contractor is named as an additional insured on the subcontractor’s general liability policy. We make sure that every certificate clearly shows your additional insured status, so you get the proper credit and avoid unnecessary premium charges.
Together, these audit-ready processes not only save you time but can also significantly reduce your insurance costs and compliance headaches.
If you manage subcontractors, our Certificate of Insurance Management Program is the simple, reliable way to stay compliant and reduce risk.
Let our licensed insurance professionals handle the details — so you can focus on building.
