The Subcontractor Compliance Checklist built for roofers.
If you hire subs, you're carrying their risk. 70% of contractor COIs are non-compliant. This checklist is the one you walk before signing. Use it once and you'll catch gaps that would have cost you on audit day.
Download the PDF →Six categories. Walk them once per sub.
COI fundamentals
Limits, additional insured, waiver of subrogation, primary & non-contributory wording. The exact phrases your COI must contain.
Coverage active dates
How to verify the policy is in force on the day work is performed — not just on the day the COI was issued.
Endorsements specific to roofers
Heights exclusions, residential vs commercial restrictions, roof installation/repair exclusions. The five exclusions that disqualify most generic GL policies for work by roofers.
Contract clause requirements
Indemnification, hold-harmless, insurance procurement, and notice-of-cancellation language your subcontractor agreement should have BEFORE the sub starts.
Ongoing monitoring
Quarterly verification process. Auto-renewal traps. What to do when a sub's coverage lapses mid-project.
Red flags / fake COIs
The 7 signs of a fabricated or expired certificate. Sample documents in the PDF show exactly what to look for.
The checklist is the audit. The call is the cleanup.
If you walk the checklist and find compliance gaps you can't close on your own — wrong contract language, exclusion clauses no carrier will waive, lapsed COIs across multiple subs — that's exactly the kind of cleanup we do during onboarding. No long-term contract. No email gate.
See our 19 carrier markets →Found gaps? Let's clean them up.
30-minute assessment. Bring your existing subs' COIs. We'll spot the cleanup priorities and tell you what to fix first.
Schedule a Free Assessment →Free · No obligation · 30-minute assessment · Insurance specialist for roofers