Subcontractor Requirements
Subcontractor insurance requirements help you reduce jobsite risk and keep contracts enforceable. Set clear standards, collect compliant COIs, and manage endorsements in one place.
Partnered with 100+ carriers to help you find the best value.
Missing paperwork becomes real exposure. Requirements keep projects moving.
When a sub’s coverage is unclear or incomplete, the GC often absorbs the operational and financial impact. Claims, stop-work delays, and contract disputes usually come down to the same issue: missing limits, missing endorsements, or certificates that do not match the agreement. Good requirements are practical: clear limits tied to scope, plain language endorsement rules, and a simple process for collecting and tracking proof of coverage.
What should you require from subcontractors on a job?
Subcontractor insurance requirements typically include general liability, workers’ comp, and commercial auto when vehicles are used, with limits aligned to the trade and contract size. Many GCs also require umbrella coverage on higher-risk scopes and proof that policies are active for the full project term.
We help you set a requirements checklist that is specific enough to protect you, without being so complicated that it slows onboarding or invites noncompliance.
Built around your trades, contracts, and jobsite risk.
A roofer’s risk profile is not the same as a finish carpenter’s. Requirements should change by trade, height work, hot work, environmental exposure, and whether subs use lower-tier subcontractors.
We help you standardize by scope, define when higher limits apply, and keep requirements consistent across projects so you avoid one-off negotiations and coverage gaps.
How do you collect COIs and endorsements without constant back-and-forth?
Most problems come from certificate details that do not match contract language: wrong entity name, missing additional insured endorsement, missing waiver of subrogation, or primary and noncontributory wording not actually endorsed.
We help you define exactly what documentation is required, verify COIs against the checklist, and handle endorsement requests so subs can mobilize without paperwork becoming the bottleneck.
Claims and risk support when something goes wrong.
When there is an incident, the contract and documentation matter as much as the coverage itself. We help you understand what to collect, what to report, and how to coordinate with carriers so the claim does not stall the job.
We also help refine requirements over time based on claim trends, trade mix, and project size so your risk posture improves without adding complexity.
Why general contractors choose Infinite for subcontractor compliance.
Real reviews on clear requirements, faster onboarding, and support that helps prevent paperwork gaps from turning into jobsite losses.
QUESTIONS & ANSWERS
FAQ
Have Questions? Talk to Us
By submitting, you agree to our Privacy Policy and Terms of Service.