A note from the team
Why we built CertRanger
If you run a construction business, you've already got plenty to juggle. Crews to run, a tight schedule, a budget to hold, and QuickBooks you can only get to on the weekend — and then there's the insurance paperwork. You need a certificate of insurance from every sub you hire, and every one has to be right.
It's easy to let slide. There's always something more urgent on the job. But this is the one with a ticking clock.
Once a year, there's the looming potential of an insurance company audit. If a sub worked for you without a valid certificate on file, they can charge you additional premium for that sub's work — as if they'd gone uninsured and you were the one covering them. That's thousands of dollars added to your premium, and the maddening part is how avoidable it is. Sometimes the certificate was never asked for. Sometimes it sat in an inbox. Sometimes it wasn't right, and nobody had time to check.
The audit is the thing you can see coming — but it isn't the only one. Put an uninsured sub on a job, and their exposure becomes yours. If their worker gets hurt, the claim can land on you. If their work leads to a lawsuit, whose insurer pays can come down to one line on the certificate. Even your own policy may require these on file — skip it, and the coverage you're paying for might not be there when you reach for it.
The big construction companies don't lose sleep over this. They've got a whole department for it, and software that costs them thousands a year. Staying on top of it shouldn't take a department, or spare afternoons you don't have.
So we built CertRanger to make it easy — and not just for the contractor. You shouldn't have to hound anybody or learn to read an insurance form. Your subs shouldn't get stuck running paperwork back and forth with their agent. And their agent should get a clear request they can fill right the first time.
CertRanger does what you'd do yourself, if you had the time to check every one. It reads each certificate against what you asked for — the right company name, dates that cover the whole job, enough coverage to meet your minimums — and catches the honest mistakes that trip people up at audit: a wrong name, an expired date, a number that's short.
That's the whole idea: the same kind of resource the big companies have always had, within reach of everybody else — so managing COIs is one less thing to worry about.