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Free certificate of insurance checker

A subcontractor sent you a certificate of insurance and you need to know whether it covers what your contract asks for. Upload it, pick the limits you require, and see line by line what meets them, what falls short, and what you should check on the certificate yourself.

  • Reads the ACORD 25 form: coverages, limits, policy dates, endorsements and the certificate holder.
  • Compares what it read with your requirements, using the same rules SiteSquare uses for its customers.
  • The certificate is read in memory and then discarded. We don't keep the file or anything on it — only the email address you verify with.

Check a certificate

Step 1 of 3: Your email

We'll email you a 6-digit code first. It keeps automated traffic away from a check that costs us to run.

We keep this address, never the certificate. See our privacy policy.

What a certificate of insurance is

A certificate of insurance (COI) is a one-page summary of a business's insurance policies, usually on the ACORD 25 form. It lists the insured company, each insurer, the policy numbers and dates, and the limits for general liability, automobile liability, workers' compensation and any umbrella policy. General contractors and property managers ask every subcontractor for one before work starts, because an uninsured sub's accident can land on their own policy.

A certificate is a summary, not the policy. It states what the insurer's records showed on the day it was issued, and it does not change the policy. Endorsements — additional insured, waiver of subrogation, primary and non-contributory — are only shown as ticked boxes; the endorsement forms themselves are the proof.

What to check on every certificate

  1. The insured. The named insured should be the company you hired, spelled the way it is in your contract.
  2. The limits. Each-occurrence and aggregate limits for general liability, the combined single limit for auto, and workers' compensation limits should be at least what your contract requires. An umbrella policy can make up the difference only if your contract allows it.
  3. The dates. Every policy should be in effect today and through the job. A policy expiring next month needs a renewal certificate before it lapses.
  4. The endorsements. If your contract requires you to be an additional insured, or a waiver of subrogation, the matching boxes should be marked — and you should ask for the endorsement pages.
  5. The certificate holder. The holder box should name your company, so the certificate was issued to you.

This checker gives an informational result from what it reads on the certificate. It is not a compliance decision and no person at SiteSquare has reviewed it. A clear PDF straight from the insurance agent reads best.

Checking certificates for every sub

SiteSquare does this for every subcontractor you work with: it reads each certificate, checks it against your requirements, asks you to confirm the result, and emails your subs before their coverage expires. See how it works for general contractors. To check a sub's California contractor license, use the free license check.

Free COI Checker: Check a Certificate of Insurance | SiteSquare