What WatchMyCover does today, and nothing it does not.
Everything on this page is built and running. A certificate PDF is read into the form to save typing, a person checks every value before it counts, and a fixed set of rules, not AI, measures it against your requirements the same way every time.
Requirements engine: Eight coverage types, two minimums each, and the endorsements your contract demands.
A requirement template is your subcontract’s insurance article, written down once. Make one per contract type and assign one to each subcontractor; every certificate that subcontractor sends is measured against it.
- Coverage is mandatory
- A mandatory line that is missing, short or lapsed fails the subcontractor. An optional one is still recorded and shown, but never decides the verdict.
- Minimum each occurrence, minimum aggregate
- Two separate dollar minimums per coverage. Leave either blank and it is not checked.
- Additional insured, waiver of subrogation, primary & non-contributory
- Select the endorsements the contract demands. Each is then recorded against the certificate at one of three levels:Not evidencedStated on the certificateEndorsement form on file
Eight coverage types
- General Liability
- Workers' Compensation
- Automobile Liability
- Umbrella / Excess Liability
- Professional Liability
- Pollution Liability
- Cyber Liability
- Builder's Risk
Two templates, set up at signup
Edit them, replace them, or add more: up to 3 on Starter, 10 on Core, unlimited on Pro.
Trade Subcontractor
General Liability
$1,000,000 each occurrence, $2,000,000 aggregate
Additional insured, waiver of subrogation, primary & non-contributory
Workers' Compensation
$1,000,000
Waiver of subrogation
Automobile Liability
$1,000,000
Additional insured
Umbrella / Excess
$2,000,000 each occurrence, $2,000,000 aggregate
General Vendor / Supplier
General Liability
$1,000,000 each occurrence, $1,000,000 aggregate
Additional insured
Automobile Liability
$1,000,000
Workers' Compensation
$500,000
Certificate evaluation: The same checks, every time, in order of severity.
Upload the certificate and the form built from the subcontractor’s template is filled in from it; someone who can see the certificate checks the insurer, policy dates, limits and endorsement evidence, or types them in.
Each coverage is judged on the policy in force today, across every certificate on file, so general liability and workers’ comp can arrive on separate certificates, and a renewal recorded early takes over when the old policy ends.
Every check the engine runs
Then these checks run, every time, in this order of severity. Each is listed with what it can produce.
No certificate on fileNo certificate
The subcontractor has nothing recorded yet.
Required coverage absentNon-compliant
A coverage the template makes mandatory is not on the certificate at all.
Limit below the minimumNon-compliant
Each occurrence or aggregate is lower than the template requires, with both figures quoted.
Limit not statedNon-compliant
The template sets a minimum and the certificate gives no figure for it.
Endorsement not evidencedNon-compliant
The contract requires it and nothing on file shows it.
Endorsement only stated on the certificateNeeds review
A checked box on the certificate is not the endorsement. The finding names the form to ask for (CG 20 10 / CG 20 37 for additional insured).
Policy expiredNon-compliant
The expiry date has arrived. Policy periods end at 12:01 a.m., so the expiry date itself has no cover.
Policy not yet in forceNon-compliant
The effective date is in the future, so there is no cover today.
Policy expiring soonExpiring soon
Expiry falls inside the warning window, 30 days by default.
Stale certificateNeeds review
Issued more than a year ago, or dated in the future. It cannot confirm the policy is in force today.
Coverage carried but not requiredNo effect
Recorded for information. It never affects the verdict.
The words on the certificate
Your broker knows these. You should not have to, and this page should not use them without saying what they mean.
Each occurrence, and aggregate
Additional insured
Waiver of subrogation
Primary and non-contributory
ACORD 25
Compliance verdicts: Three verdicts and two statuses, each with its reason.
Every one comes with its findings: what was required, what the certificate provided, and a sentence saying why, written to be forwarded to a broker as it stands.
Three verdicts, not two
Illustrative data- CompliantOthrelby Steel Erectors
Every limit met. Endorsement forms on file.
- Needs reviewHalvering Masonry Inc.
Additional insured is stated on the certificate, but a certificate cannot amend a policy. Request CG 20 10.
- Non-compliantSkevvenholm Concrete
General Liability aggregate limit of $1,000,000 is below the required $2,000,000.
The middle one is the point. Where a certificate cannot settle the question, WatchMyCover says so instead of guessing, and tells you the document to ask for.
- Compliant
- Every required line is present, every limit meets its minimum, every required endorsement is evidenced, and nothing is expiring inside the window.
- Needs review
- Nothing has definitely failed, but the certificate cannot settle a question on its own: an endorsement only stated on it, or a certificate too old to vouch for today.
- Non-compliant
- At least one definite failure: a missing coverage, a short or missing limit, an endorsement not evidenced, a lapsed or not-yet-effective policy.
- Expiring soon
- Compliant today, with a required policy expiring inside the warning window.
- No certificate
- Nothing has been recorded for this subcontractor yet.
Renewal chasing: Four reminders before the date, one on the day, then one a week for four weeks.
Chasing is off when an account is created. Nothing is emailed to a subcontractor until you switch it on in Settings.
The ladder
Once switched on, each policy expiry gets four reminders before the date (30, 14, 7 and 1 days, or your own schedule), one on the day it expires, then one a week for four weeks until a certificate is recorded. A renewed policy starts its own ladder.
- A login-free upload link
- The email carries a link where the subcontractor uploads the new certificate (PDF, PNG or JPEG, up to 10 MB) with no account. If they reply by email instead, the reply lands in your own inbox and someone on your team records it.
- Gaps are chased at once
- A subcontractor whose certificate fails a requirement today is emailed straight away, rather than waiting for an expiry that may be a year off.
- To the subcontractor, broker copied
- Each email goes to the subcontractor’s contact with their broker on copy, and names the coverage concerned.
- Chase now, or cancel
- Send a chase by hand from a subcontractor’s page, or stop a queued one after you have spoken to the sub.
- A log of every reminder
- Each chase can be read in full, with its recipients, its status and when it went.
Compliance register: A dashboard of where every subcontractor stands, and a list built for a long one.
- Search by name
- Filter by status, expiry window or project
- Sort by risk
- Page through it
The searching and sorting happen on the server, so it stays quick at any size.
History: Every verdict recorded. Every change, with the person who made it.
- Superseded, never deleted
- A renewal that fully replaces a certificate sets it aside rather than deleting it. The old one is kept for audit.
- Verdict history
- Every verdict is recorded. Each subcontractor’s page shows the history of its verdicts and who changed what.
- Activity log
- Every change made in the product is written to an audit record, with the person who made it.
Register export: One row per subcontractor, with the verdict and the reasons behind it.
- CSV, on every plan
- One row per subcontractor: the coverage on file, the verdict, and the reasons behind it. No export tier and no exit fee.
- Ready for an owner or an auditor
- Opens in Excel or Google Sheets and can be sent without editing first.
Around the edges: From reading a certificate to the Monday brief.
Reading, exceptions, chasing controls, projects, team, import, and two regular emails.
Certificate reading
Upload a certificate as a PDF or a photo and the form is filled in from it: a fillable ACORD 25 is read field by field, a flat or scanned one by AI. Anything unclear is left empty, and a person checks every value before it counts.
Endorsement forms
When the endorsement form itself arrives, it is read into a draft: its form number, its policy number and the coverage it points to. A person confirms it, and only then is that endorsement held as proven for the policy in force.
Exceptions
When you accept a gap on purpose, record it with a reason and an end date. The finding stops counting and is not chased while the exception runs, and the verdict says it rests on an exception wherever it is shown, shared reports and the export included.
Chasing controls
Set your own reminder schedule, up to six points before expiry. See whether each email was delivered, delayed or bounced, and withdraw any upload link on its own.
What your subcontractor sees
The upload link opens one page: what you require of them, what is short on their record today, and a sheet to print or email to their insurance agent. After they send a file, a first look tells them what still appears short.
Projects
Group subcontractors by job, filter the register by project, and share a report for one project alone. 3 on Starter, 15 on Core, unlimited on Pro.
Team
Invite colleagues by email as an Admin or a Member; the person who created the account is its Owner, and can require two-factor sign-in for everyone. 2 users on Starter, 5 on Core, unlimited on Pro.
CSV and Excel import
Import your subcontractor list as a CSV or Excel (.xlsx) file, up to 500 rows a file. Rows that cannot be written are listed with the reason, and can be downloaded to fix.
Monthly digest
Once a month the account owner gets a short email: how many chases went out, how many certificates came back through the upload link, and where the register stands.
The Monday brief
One email a week to your office: who changed status, whose cover ends in the next 14 days and whom to ring, how many certificates are waiting to be read, and which exceptions are about to end. A week with nothing to say sends nothing.
Put your own subcontractor list in and see what comes back.
Or run your tracking spreadsheet through the free check first, with no account.