COI tracking built for general contractors
General contractors are who Wardly is built for: collecting, verifying, and monitoring your subcontractors’ certificates of insurance so a sub’s lapse never pulls you into an injury, property-damage, or construction-defect claim. Add a sub, send a no-login upload link, and get an automatic A–F grade—free forever, no sales call.
Get started freeOne uninsured sub can become your claim
As a general contractor, you carry the risk for every trade on the job site. When a subcontractor’s general liability lapses, their workers’ comp is short, or their additional insured endorsement was never actually attached, an incident on your site can flow straight up to your policy—and your loss run.
Where GCs get exposed
- A sub’s policy expires mid-project and no one notices until an injury on site.
- The certificate lists your company as certificate holder but the additional insured endorsement (CG 20 10 / CG 20 37) is missing.
- Completed-operations coverage ends before your warranty period—leaving defect claims uncovered.
- Subcontract requirements say one thing; the COI on file quietly says another.
What that costs you
A spreadsheet of expiration dates doesn’t read endorsements, doesn’t chase renewals, and doesn’t tell you the moment a sub falls out of compliance. The gap usually surfaces only when there’s a claim—exactly when it’s most expensive to discover. Wardly closes that gap by reading each ACORD 25 and grading it against your subcontract requirements automatically.
From request to verified compliance in three steps
Set it up in minutes—no onboarding calls, no enterprise sales cycle.
Add the subcontractor
Enter your sub’s details and the coverage requirements they need to meet for the project—limits, additional insured, waivers, and more.
They upload via a no-login link
Your sub gets a secure link and drops in their ACORD 25 certificate—no account or password required on their end.
Wardly reads, grades & monitors
Wardly reads the certificate, grades it A–F against your requirements, and watches every expiration date so nothing lapses unnoticed.
Every COI, read line by line
Wardly parses each ACORD 25 and the attached endorsements against the subcontract requirements you set—then rolls it into one clear grade.
Coverage limits
General liability, workers’ comp, auto, and umbrella limits verified against your project minimums.
Additional insured
Confirms your company is named as additional insured with the right form—CG 20 10 for ongoing and CG 20 37 for completed operations.
Waiver of subrogation
Flags whether the waiver your subcontract requires is actually granted on the sub’s policy.
Primary & non-contributory
Checks the language that keeps your policy from being asked to pay first.
Expirations
Every policy monitored around the clock, with reminders before a subcontractor’s coverage lapses.
A–F compliance grade
A single, clear score for every sub—so you know exactly which ones are cleared for the job site.
Go deeper on subcontractor insurance
Free resources for getting your subcontract requirements—and your certificates—right.
Subcontractor insurance requirements
What to require from every sub, and why—limits, endorsements, and language.
Learn moreWhat is a certificate of insurance?
The ACORD 25 explained in plain English for general contractors.
Learn moreBest COI tracking software
How the leading certificate-of-insurance trackers compare.
Learn moreWardly features
No-login upload, ACORD 25 reading, A–F grading, and expiration monitoring.
Learn morePricing
Free forever for unlimited subcontractors. See what that includes.
Learn moreCompare COI trackers
See how Wardly stacks up against other COI tracking tools.
Learn moreFrequently asked questions
Is Wardly really free for general contractors?
Yes. Wardly is free forever for unlimited subcontractors—no credit card, no per-seat fees, and no annual contract to start. It was built by the team behind Acolite, and the COI tracker is free because it grew out of the same construction workflows we already work in.
How do my subcontractors send their certificate of insurance?
You add the sub and Wardly emails them a secure upload link. They drop in their ACORD 25 certificate in a few clicks—no account, no password, nothing to install. Removing that login friction is the single biggest reason certificates actually come back on time.
Does Wardly check additional insured endorsements like CG 20 10 and CG 20 37?
Yes. Wardly reads the ACORD 25 and the attached endorsements to confirm your company is named as additional insured, including ongoing operations (CG 20 10) and completed operations (CG 20 37) forms, plus waiver of subrogation and primary and non-contributory language—all against the requirements you set.
What happens when a subcontractor’s policy expires mid-project?
Wardly monitors every expiration date and flags coverage before it lapses, then re-grades the certificate automatically when the sub uploads a renewal. You see a live A–F grade for every subcontractor on the job instead of finding the gap only after a claim.
Not a general contractor?
Wardly is GC-first, but the same engine tracks any third party’s certificates of insurance.
Track every subcontractor’s COI—free.
Add a sub, send a no-login upload link, and get an automatic A–F grade against your subcontract requirements. Free forever, no sales call.
Get started free