Specialty Contractors

COI Tracking for Specialty Contractors

Electrical and mechanical contractors are often required by their GC contracts to flow down specific insurance requirements to their own subs - Named additional insureds, endorsement language, and coverage limits. When those requirements are not met, the specialty contractor is in breach of their own contract, not just exposed on their own risk.

 

PINS helps specialty contractors collect, review, and track subcontractor COIs against the requirements their GC contracts actually specify. AI-assisted review catches gaps before they become a contract issue. Your team stays in control of every approval.

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

Where it gets complicated

Specialty contractor COI compliance is harder than it looks

GC contract obligations, endorsement requirements, and workers comp exposure create compliance gaps that a basic COI collection process will not catch.

Your GC contract requires you to flow risk transfer requirements down to your subs

When you sign a subcontract with a GC, that contract includes insurance requirements you are obligated to pass down to your own subs. Coverage types, limits, endorsement language - if your subs do not meet those requirements, you are in breach of your own contract with the GC. A sub that submits a certificate with the right coverage type but wrong limits or missing endorsement language puts you out of compliance at the contract level. PINS reviews each submission against your actual contractual requirements so those gaps are caught early.

What your contract requires

The same coverage types, limits, and endorsement language your GC contract requires of you often have to flow down to your subs. PINS tracks that requirement at the project and commitment level.

Additional insured endorsements have to name the right parties

On commercial projects, additional insured requirements often go beyond the GC. The owner, and in some cases the architect or lender, may also need to be named. A certificate can show additional insured coverage while the endorsement only names one of the required parties. PINS checks endorsement language against the specific parties your contract requires, not just whether additional insured coverage exists.

What to check

Does the endorsement name the GC? Does it name the owner? Are all required parties listed with the correct wording? PINS flags submissions where the endorsement falls short of what your contract requires.

Workers comp exposure creates audit risk for electrical and mechanical contractors

Electrical and mechanical work carries meaningful workers comp exposure. When your carrier audits your policy, they ask for proof each sub carried active coverage throughout the period they were on the job. If you cannot produce that documentation, that contract value gets added to your own premium at the highest rate available. PINS tracks COI history with timestamps so you can prove active coverage for each sub throughout the work period.

The audit risk

A sub whose policy lapsed mid-project and was never flagged may not surface as a problem until the carrier audit. By then the documentation window has closed and the exposure lands on you.

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 teams see after switching

Tracking subcontractor COIs manually is reactive. Renewals get missed. Documentation falls behind. PINS gives electrical and mechanical contractors 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 specialty contractors

Does PINS work for specialty contractors?

Yes. PINS is built for contractors who sub out work and need to track subcontractor COI compliance against specific requirements. Electrical and mechanical contractors can set project-level requirements, collect certificates and endorsements through a no-login upload link, and review each submission against what their GC contracts require. When a sub's coverage lapses or an endorsement falls short, your team is notified before it becomes a contract issue or an audit problem.

Can PINS track the insurance requirements my GC contract requires me to flow down to my subs?

Yes. PINS ties requirements to specific projects and subcontractor commitments. If your GC contract requires you to ensure your subs carry certain coverage types, limits, or endorsement language, you can set those as the requirements PINS checks each submission against. A sub that meets the coverage type but falls short on limits or endorsement wording is flagged. Your team reviews the flag and requests corrected documentation before approving the submission.

How does PINS verify additional insured endorsements on commercial projects?

PINS reviews endorsement language against the specific parties your contract requires to be named, not just whether additional insured coverage exists. On commercial and institutional projects where the GC, owner, or other parties all need to be named, PINS checks whether each required party appears in the endorsement with the correct wording. Submissions where the endorsement names only some of the required parties are flagged for your team to review.

How does PINS help with workers comp audits?

PINS tracks every COI submission with a timestamp and maintains a complete compliance history for each subcontractor. When your carrier asks for proof that a sub carried active workers comp coverage throughout the period they were on the job, that documentation is already in PINS. When a renewal comes in, it is logged. When a policy lapses, it is flagged before that sub is back on-site. That record is what you hand your carrier at audit rather than trying to reconstruct it from email.

How does the no-login upload link work?

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 before the policy expires.

Stop Chasing COIs.

Start Approving.

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Insured Profile Page showing insurance policies in compliant status-1