COI expiration tracking & renewal reminders
Wardly monitors every policy’s expiration date and flags certificates beforecoverage lapses—so no subcontractor silently goes uninsured in the middle of your project. Free forever, unlimited subcontractors.
Get started freeThe quiet risk of a lapsed COI
A certificate of insurance is only proof of coverage for the exact dates it names. The problem is that policies expire on their own schedule—not yours.
A sub who was fully compliant when they started a six-month job can have a policy renew, get cancelled, or simply lapse halfway through—and nothing about your paperwork changes to warn you. You’re still holding the certificate they handed you on day one. If an incident happens during that gap, the coverage you were relying on may not be there, and the exposure can land on you as the general contractor.
The dangerous case isn’t the sub who never sent a COI—it’s the one whose certificate looked perfect in January and quietly expired in April.
How Wardly keeps coverage from lapsing
Without expiration tracking
- Expiration dates live in a spreadsheet nobody checks until renewal season.
- A lapse is discovered after the fact—often when there’s already a claim.
- Chasing a renewed certificate means digging up the sub’s contact and emailing from scratch.
With Wardly
- Every policy’s expiration date is captured when the COI is read and monitored automatically.
- Certificates are flagged as they approach expiration—before coverage goes out of force.
- Wardly can re-request a fresh COI through the sub’s existing no-login upload link.
- The renewed certificate is re-graded A–F against your requirements the moment it arrives.
Frequently asked questions
How does Wardly track COI expiration dates?
When Wardly reads a certificate, it captures each policy’s expiration date and keeps watching it. As the date approaches, Wardly flags the certificate as expiring so it stands out before coverage actually lapses—rather than surfacing only after a policy has already gone out of force.
What happens when a subcontractor’s coverage is about to lapse?
Wardly flags the expiring certificate and can re-request a fresh one through the same no-login upload link the sub already used. The sub uploads their renewed COI in a few clicks, Wardly re-grades it against your requirements, and the record updates—no manual chasing or re-keying.
Why does an expired COI matter mid-project?
A certificate is only proof of coverage for the period it names. If a sub’s policy lapses mid-job and they have an incident, you can be left exposed exactly when you assumed you were protected. Tracking expirations keeps a lapse from going unnoticed until it’s a claim.
Never get caught by a lapsed COI again.
Add a sub, send an upload link, and let Wardly watch every expiration for you—free forever, no sales call.
Get started free