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WatchMyCover keeps a register of your subcontractors’ certificates of insurance and checks each one against the insurance requirements in your own subcontracts. For every subcontractor it gives a verdict, the reasons behind it, and, once you switch it on, emails the subcontractor and their broker when something needs renewing or correcting. It is built for the person who tracks certificates at a US commercial or multifamily general contractor: usually an operations manager, contracts administrator or office manager looking after somewhere between 20 and 100 subcontractors. Larger books fit on the Pro plan, which has no vendor limit. Your subcontractors never need an account.

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Current is not the same as compliant

Most certificate tracking answers one question: has the expiry date passed? That matters, but it is not the question you are liable for. The question your subcontract asks is whether the certificate carries the cover the contract requires. A certificate can be in date and still fail your contract. For example:
  • General liability is $1,000,000 each occurrence, but the aggregate is $1,000,000 when your contract asks for $2,000,000.
  • Your contract requires umbrella cover, and the certificate does not show any.
  • The additional insured box is ticked, but nobody has the endorsement form. A certificate cannot amend a policy, so the tick on its own is not proof.
  • The policy does not start until next month, so there is no cover on site today.
WatchMyCover checks limits, required coverages, endorsements and dates against the requirement template you assign to each subcontractor, and it tells you which of these it found, with the figure required, the figure on the certificate, and why it matters.

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What WatchMyCover does

Checks every certificate

Limits, required coverages, endorsement evidence, effective and expiry dates, and the age of the certificate, against your own requirements.

Explains every verdict

Each finding states what was required, what the certificate provided, and why it matters.

Chases renewals and gaps

Emails at 30, 14, 7 and 1 days before expiry and when overdue, plus an immediate email when a certificate falls short. Off until you switch it on.

Proves where you stand

A CSV register on every plan, and read-only report links for an owner, lender or auditor.

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What WatchMyCover does not do

WatchMyCover does not read documents. There is no scanning, no text extraction and no automatic data entry. A person on your team reads the certificate and types what it says into the certificate form; the rules then run the same way every time.
WatchMyCover compares the certificate data you record against the requirements you define. It cannot:
  • Confirm a policy is still in force. A carrier can cancel mid-term without the certificate ever changing.
  • Prove an endorsement exists. A ticked box on an ACORD 25 is a statement by whoever filled in the form; the endorsement form is the proof.
  • See policy exclusions, completed-operations terms or cancellation provisions. They are not on the certificate.
  • Verify that a certificate is authentic or matches what the carrier issued.
WatchMyCover is not an insurer, broker or legal adviser, and a verdict is not a coverage opinion. The same statement is printed on every export and shared report.

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Where to go next

Quickstart

From sign-up to your first verdict and your first chase.

For subcontractors

A page to send a subcontractor who asks about the certificate emails they receive.
Questions or a verdict you think is wrong: write to info@watchmycover.com.