COI Gap Analysis for Subcontractors
Upload a COI and see what's missing against what you require (limits, additional insured, and state rules) before the sub is on site.
Why spreadsheets fail here
- • A valid-looking PDF can still miss a required endorsement
- • Manual review doesn't scale across dozens of subs
- • State and trade rules differ; spreadsheets don't flag them
How it works
- 1
Set your requirements
Define GL limits, workers' comp, auto, umbrella, and additional-insured requirements, for every sub or by trade.
- 2
Upload or receive the COI
Certificates from your office or the sub portal land in one place per subcontractor.
- 3
TradeGuard flags gaps
Missing coverage, low limits, and additional-insured gaps surface on the sub record.
- 4
Fix before mobilization
Send the sub back to their agent with a clear list instead of a vague 'fix your insurance' email.
What you get
- Requirement checks tied to each sub's file
- State compliance references for jurisdictions you work in
- Pairs with expiry alerts and the sub upload portal
- Exportable compliance views for owners and lenders
FAQ
What does COI gap analysis check?
TradeGuard compares uploaded certificates against the requirements you set (coverage types, limits, and who is named as additional insured) and highlights what's missing or unclear. It doesn't verify endorsement forms.
Is this legal advice?
No. TradeGuard provides informational compliance tooling. Your attorney or risk advisor should sign off on contract requirements.
Does gap analysis work with state-specific rules?
Yes. TradeGuard includes state requirement references so you can see jurisdiction-specific expectations alongside each sub.
Can I try gap analysis on existing COIs?
Yes. Start a free trial, upload PDFs you already have, and see gaps on your real roster before you commit.
Part of COI tracking software for GCs. Compare COI tracking options or spreadsheet vs software.