Know who's in your building, and that they're covered.
You carry the risk whether or not you hired the crew directly. SubSub keeps the proof of coverage where you can see it, without you becoming the filing clerk.
Free for up to 3 contractors. No card, no contract.
The exposure is yours. The paperwork usually isn't.
When something goes wrong on your property, the question is whether the contractor was covered and whether you were named. Those answers should not require a search.
Certificates you've never seen
Your GC holds them, or says they do. You find out which at the worst possible moment.
Not named as additional insured
The single most common gap, and the one that decides whether their policy responds for you at all.
Limits below what your lender requires
A loan covenant says $2M aggregate. The certificate on file says $1M and nobody compared them.
No record of who worked when
Two years later there's a claim and no way to establish who was on site or what they were covered for.
Coverage verified against your requirement
Each limit checked line by line — general liability, aggregate, products and completed operations, auto, employer's liability.
Named insured confirmed explicitly
Being named on the CGL, primary and non-contributory, is a confirmation the reviewer has to make.
Licenses checked against the state
Verified live against the registry, which also reports the bond and insurance the state has on file.
A dated record that holds up
Who approved which document, on what date, at which limits — kept rather than overwritten.
How the proof gets there.
Whether you engage contractors directly or through a manager.
Set your requirements once
The limits your lender and insurer expect become the standard every contractor is measured against.
Contractors upload their own documents
Each gets a free login and maintains their own certificates, bond and signed agreement.
Every document is reviewed, not just filed
Someone confirms the limits, that you're named, and that the license is active — and that approval is recorded.
Nobody uncovered gets scheduled
A contractor with an outstanding item can't be assigned to work at your property.
Renewals handled before they lapse
Expiry dates are tracked and the contractor is reminded automatically, so coverage doesn't quietly end.
What you can answer at any moment.
The questions that come up from lenders, insurers and counsel.
- Who is working on the building right now, and which trade each one is covering.
- What limits they carry, on which policy, with which carrier, expiring when.
- Whether you're named as additional insured on each contractor's general liability.
- Who approved it and when — including any limit accepted below requirement and the reason given.
- Who worked on what, historically, with the work orders and ratings attached.
Everything else you get, beyond proof of coverage.
Knowing your contractors are insured is the starting point. The same record also tracks who worked on what, what they warranty, and what was agreed.
Onboarding
Invite a contractor and they build their own profile — trades, coverage area, crews and documents. You aren't retyping anything.
Document approval
Insurance, bond, signed agreement and W-9, each checked against your requirements line by line. Accept a limit below requirement with a recorded reason.
License verification
WA L&I registrations checked against public state records, which also report the bond and insurance the state has on file.
Compliance monitoring
Expiry tracked on every policy and registration, with automatic email and SMS reminders. Anyone outstanding can't be assigned.
Crew scheduling
Each crew keeps its own calendar, so you see which crew is free on the day rather than whether the company is.
Work orders
One per trade, numbered and dated, with its own scope and value. A response deadline you set, re-matching if nobody replies, and numbered change orders when scope moves — the original is never edited.
Lien waivers
On Scale. A signed waiver from whoever is being paid, before the payment goes out, and from the suppliers below them — so you can see the chain is clear, and through which date, before money moves. In the twelve states that set the wording in law, it's the state's own form, uploaded.
Labor warranty tracking
Each contractor states their warranty term — 1–10 years or lifetime — and SubSub holds it against every job they finish, so you know later whether a failure is covered.
Callbacks & returns
Raise a callback inside 30 days or a warranty claim after. They confirm the return visit from their own dashboard.
Ratings that compound
Rate each crew on each job. Ratings roll up to the company and feed straight back into who gets matched next time.
Is the contractor at your building licensed?
In several states there is nothing to be licensed for, which is not the same as somebody cutting corners. Here is what each state requires, who administers it, and where to look a license up when there is a register.
See it against one of your own certificates.
Book a demo and bring a certificate from a contractor working your building. We'll run it through the review live.