Roofing Contractors

COI Tracking for Roofing Contractors

Roofing carries some of the highest workers comp rates in construction. When you sub out work, your carrier expects proof that each sub carried active coverage throughout the period they were on the job. If you cannot produce that documentation at audit, the contract value gets added to your own payroll calculation, and at the highest rate available.

 

PINS tracks subcontractor COIs and maintains the audit trail your carrier requires. When a renewal slips, your team knows before that crew is back on-site.

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PINS subcontractor COI tracking dashboard showing project compliance status and AI endorsement review

Where it gets complicated

Roofing COI compliance is harder than it looks

Workers comp exposure, audit documentation requirements, and endorsement gaps create compliance risks that a basic COI collection process will miss.

Workers comp gaps create direct premium exposure

When your carrier audits your workers comp policy, they ask for proof that every subcontractor you used carried active coverage throughout the period they were on the job. If you cannot produce that documentation for a sub, the carrier adds that contract value to your own payroll calculation, at the highest risk classification available. For roofing contractors, that rate is already near the top of the scale. A single lapsed sub policy that goes undocumented can move the needle on your annual premium significantly.

What the carrier asks for

Proof of active workers comp coverage for each sub, for the full period they worked. Not just a COI collected at onboarding. PINS keeps that record automatically.

A COI collected once does not prove coverage throughout the job

Most compliance problems at audit do not come from subs who were never insured. They come from subs whose coverage lapsed mid-project and no one caught it. A certificate collected at the start of a job proves coverage existed on that date. It does not prove coverage was active six weeks later when the crew was still on-site. PINS tracks renewals and flags lapses as they happen, so your records reflect what was actually in place throughout the work period.

The audit gap

A sub whose policy renewed late, lapsed for two weeks, or was canceled mid-project may not show up as a problem until the audit. By then, the documentation window has closed.

A certificate showing the right coverage is not the same as actual compliance

A certificate of insurance can show workers comp coverage and the right limits while still failing compliance on the endorsement side. Additional insured language, certificate holder wording, and policy conditions still need to be checked against what your contract requires. AI-assisted review in PINS checks each submission against your actual requirements, not just coverage type and limits. Submissions that look compliant on the surface but fall short on the details are flagged before your team approves them.

What gets missed

Endorsement language, certificate holder wording, and policy conditions that do not match your contract requirements. A certificate face does not show any of these.

How PINS Works

One Upload. Continuous Compliance.

Upload a contract once and PINS builds the compliance workflow. AI reads submissions against your requirements, flags gaps, and helps your team review faster. You stay in control of every approval.
Initial Setup

PINS sets requirements and sends requests

AI reads the contract and builds the insurance requirements automatically. Emails are sent out requesting COIs and supporting documents from vendors and brokers.
Step 1

Vendor uploads documents

Vendors and brokers submit through a simple upload link. No login required.
Your team decides
Step 2

AI reviews. Your team approves.

PINS AI reviews each submission and identifies issues. Your team decides what happens next.
Step 3

PINS requests renewals

Automated reminders and follow-up requests keep compliance current. The cycle repeats at every renewal.

Why teams switch to PINS

The results roofing teams see after switching

Tracking subcontractor COIs manually is reactive. Renewals get missed. Documentation falls behind. PINS gives roofing teams a way to stay current without the daily chasing.

85%

reduction in admin time spent managing subcontractor COI compliance

90%+

ongoing compliance rate across active subcontractor rosters

0 Minutes

to process expired notices, as the software tracks expirations and requests renewals automatically

What risk teams say after switching

I love PINS, the product, the team, I love the communication and how they immediately jump in to help when we need it.
Korbi Petersen
Insurance Coordinator
Wells Construction

FAQ

COI tracking for roofing contractors

Does PINS work for roofing contractors?

Yes. PINS is built for contractors who sub out work and need to track subcontractor COI compliance. Roofing contractors can set coverage requirements for each subcontractor, collect certificates through a no-login upload link, and review each submission against those requirements. Renewal tracking and automated notices reduce the manual follow-up. When your carrier asks for proof of active coverage at audit time, the documentation is already in PINS.

How does PINS help roofing contractors prepare for a workers comp audit?

When your carrier audits your workers comp policy, they ask for proof that each subcontractor carried active coverage throughout the period they were on the job. PINS tracks every COI submission with a timestamp and maintains a complete history for each subcontractor. When a renewal comes in, it is logged. When a policy lapses, it is flagged. That record is what you hand your carrier at audit: documentation of what was in place, and when. Without it, the carrier can add unproved subcontractor payroll to your own premium calculation at the highest rate available.

What happens when a subcontractor's coverage lapses mid-project?

PINS sends automated renewal notices before policies expire. If a renewal does not come in before the expiration date, the subcontractor's compliance status is flagged in PINS. Your team sees it before that crew is scheduled back on-site, not after the fact at audit. The lapse is documented in the subcontractor's compliance history so you have a record of how it was handled.

Does PINS check endorsements, or just coverage type and limits?

PINS reviews the full submission against your requirements, not just the certificate face. AI-assisted review checks endorsement language, additional insured wording, certificate holder language, and policy conditions against what your contracts require. A certificate that shows the right coverage type and limits can still fall short on the endorsement side. PINS flags those gaps so your team can request corrected documentation before approving the submission.

How does the no-login upload link work for subcontractors and brokers?

When you need a COI from a subcontractor or their broker, PINS generates a secure upload link you can send by email. The recipient does not need a PINS account. They open the link, upload the certificate and any supporting endorsements, and submit. The documents land directly in PINS tied to that subcontractor's record. Renewal reminders go to the same contact automatically when the policy is approaching expiration.

Stop Chasing COIs.

Start Approving.

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Insured Profile Page showing insurance policies in compliant status-1