Checklist

Sub Certificate Tracking Checklist

Track lower-tier subcontractor certificates, expiration dates, limits, and endorsement review notes.

How to use this tool

This tool helps subcontractors track certificate of insurance details from lower-tier subcontractors before work starts.

Who this is for

Subcontractors that hire lower-tier subcontractors and need to keep certificate records for a general contractor, audit, or contract file.

When to use it

Use it before a lower-tier subcontractor starts work and again before renewal dates or insurance audits.

How to use it

Enter your business and project details, then use the checklist rows to record each lower-tier subcontractor's coverage, dates, limits, and endorsement notes.

What you get

You get a printable PDF or DOCX checklist with general liability, workers compensation, commercial auto, expiration tracking, and endorsement review columns.

Sub Certificate Tracking Checklist

Track lower-tier subcontractor certificates, expiration dates, limits, and endorsement review notes.

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Business name

Project name

Review date

Contact name

Checklist

Download certificate checklist

You get a printable PDF or DOCX checklist with general liability, workers compensation, commercial auto, expiration tracking, and endorsement review columns.

Available as PDF, DOCX. The file uses the current field values.

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Preview of downloaded checklist

Updates as you type before download.

Download certificate checklist

Project tracking header

Business: ________________ Project: ________________ Review date: ________________ Checklist owner: ________________

Use this checklist to track certificates from lower-tier subcontractors before they begin work and to keep records for contract review or insurance audit.

Certificate tracking log

General liability certificate current	Workers compensation certificate or exemption	Commercial auto certificate current	Limits reviewed	Additional insured status confirmed
☐ Yes ☐ No ☐ Not required by contract	☐ Yes ☐ No ☐ Exemption on file	☐ Yes ☐ No ☐ No vehicle exposure noted	☐ Yes ☐ No	☐ Yes ☐ No ☐ Not required by contract
☐ Yes ☐ No ☐ Not required by contract	☐ Yes ☐ No ☐ Exemption on file	☐ Yes ☐ No ☐ No vehicle exposure noted	☐ Yes ☐ No	☐ Yes ☐ No ☐ Not required by contract
☐ Yes ☐ No ☐ Not required by contract	☐ Yes ☐ No ☐ Exemption on file	☐ Yes ☐ No ☐ No vehicle exposure noted	☐ Yes ☐ No	☐ Yes ☐ No ☐ Not required by contract
☐ Yes ☐ No ☐ Not required by contract	☐ Yes ☐ No ☐ Exemption on file	☐ Yes ☐ No ☐ No vehicle exposure noted	☐ Yes ☐ No	☐ Yes ☐ No ☐ Not required by contract
☐ Yes ☐ No ☐ Not required by contract	☐ Yes ☐ No ☐ Exemption on file	☐ Yes ☐ No ☐ No vehicle exposure noted	☐ Yes ☐ No	☐ Yes ☐ No ☐ Not required by contract
☐ Yes ☐ No ☐ Not required by contract	☐ Yes ☐ No ☐ Exemption on file	☐ Yes ☐ No ☐ No vehicle exposure noted	☐ Yes ☐ No	☐ Yes ☐ No ☐ Not required by contract

Before work starts

Collect the certificate of insurance before the lower-tier subcontractor enters the job site.
Check that the named insured matches the lower-tier subcontractor you hired.
Check policy dates for general liability, workers compensation, and commercial auto when the contract asks for them.
Compare the shown limits with the contract insurance exhibit.
Ask for endorsement copies when the contract requires additional insured, primary and noncontributory, waiver of subrogation, or completed operations wording.
Save certificates and endorsement copies with the project file through audit or contract closeout.
Recheck expiration dates before the lower-tier subcontractor returns for later work phases.

Endorsement review notes

Record contract wording that needs follow-up:

Additional insured wording required by contract:

Primary and noncontributory wording required by contract:

Waiver of subrogation required by contract:

Completed operations wording required by contract:

Other insurance requirements or certificate holder instructions:

Next steps

Ask each lower-tier subcontractor for missing certificates before work starts.
Send contract wording to your insurance contact if the certificate must show endorsements.
Keep certificates and endorsement copies with the project file for audit review.

What this includes

Download formats

PDF, DOCX

Fields

Business name, Project name, Review date, Contact name

Document sections

Project tracking header, Certificate tracking log, Before work starts, Endorsement review notes

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Reviewed byHuy Huynh, technology lead at TradesCoverage and licensed insurance brokerNPN 22071436Last reviewed May 2026

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