Free COI and subcontractor compliance resources
Guides, templates, tools and directories for general contractors and property managers who collect certificates of insurance, licenses and W-9s from subs and vendors. All free, no signup needed.
Guides
- How to read an ACORD 25
A box-by-box, plain-English guide to the standard certificate of liability insurance, and what a certificate does not prove.
- Additional insured vs certificate holder
Why being the certificate holder gives you no coverage, and which endorsements to ask a sub for.
- Waiver of subrogation, explained
What a waiver of subrogation does, why the SUBR WVD box isn't the endorsement, blanket vs scheduled forms, and state limits on workers' comp waivers.
- ACORD 25 vs ACORD 28
Which certificate to ask for: liability (ACORD 25) from subs and vendors, or evidence of commercial property insurance (ACORD 28) for lenders and landlords.
- How to verify a certificate of insurance
A step-by-step checklist: get the COI from the agent, check it against your contract, confirm it with the agent or insurer, check the insurer's license and get the endorsements.
Free tools and templates
- COI tracking spreadsheet template
A free CSV for tracking each sub's GL, workers' comp, auto, license and W-9, in the format GreenlightSubs imports.
- COI request email generator
Write a clear email asking a sub or vendor for a certificate, renewal or replacement for an expired one.
- Insurance requirements letter generator
Build a printable page of your coverage, limits and endorsement requirements to send to new subs and vendors.
Directories and comparisons
- Contractor license lookup by state
Each state's licensing agency and official lookup, with a checklist for verifying a sub's license.
- COI tracking software compared
GreenlightSubs and other COI tracking tools side by side: published prices, free plans and certificate review, with sources.
- Help center
How GreenlightSubs works: adding vendors, imports, reminders, vendor uploads, review and billing.
These resources are general information, not legal or insurance advice. Your contracts and your insurance agent decide what you need from each sub.