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WatchMyCover

Score how your office handles subcontractor insurance.

Ten statements, three answers each. You get a score out of 20, what it means, and the gaps to close first. No account, and your answers stay in your browser.

Ten statements

Answer each for how things are today, not how they are meant to be. Your answers are not sent anywhere and are not stored. We count only that a score was shown, and which of the three bands it fell in.

  1. 1. We know right now which active subcontractors are fully compliant.
  2. 2. We have written insurance requirements, set by how risky the trade is.
  3. 3. Our subcontract requires additional insured status for ongoing and completed operations.
  4. 4. We collect the endorsement pages, not only the certificate, for higher-risk subcontractors.
  5. 5. Documents come from the insurance agent or are confirmed with the agent, and we verify the high-risk ones.
  6. 6. Renewal requests go out before policies expire, without anyone having to remember.
  7. 7. Accounts payable checks compliance before releasing a payment.
  8. 8. Project managers check compliance before scheduling a subcontractor or letting them on site.
  9. 9. We could pass a premium audit tomorrow without scrambling for documents.
  10. 10. Our subcontractors' own subcontractors go through the same process.

0 of 10 answered

How the score is worked out

Each statement scores 0 for not true, 1 for partly true and 2 for fully true, and the ten are added. It is your own reading of your own process: nobody has checked it, and it is not a rating from an insurer or an auditor.

0 to 7: High exposure
The process is relying on luck.
8 to 14: Partial protection
The foundations are there, and gaps remain, usually in verification and enforcement.
15 to 20: Strong program
What is left is upkeep.

More free tools: the premium audit exposure calculator estimates what an audit could add for subcontractors without certificates, and the full list is here.