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How it works

See exactly how it works — from setup to audit.

Follow one certificate all the way through: you set your requirements, we chase the sub, their agent issues the COI, we check it, and it lands on your dashboard — ready for audit day.

You
Sub
Agent
CertRanger checks it
Back to you
You set it up General contractor
1

Set your requirements.

Pick the coverages you require and the dollar amounts for each, and enter how your company should be named as additional insured. Set your policy period once.

Requirements
Policy period
2026-01-01 → 2026-12-31
Named as additional insured
Ridgeline Construction LLC
Required coverages
General Liability $1M / $2M agg
Automobile Liability $1M CSL
Workers' Compensation $1M E.L. · waiver
Subcontractors · 6
Apex Framing
marco@apexframing.com
Verified
Delta Electrical
sam@deltaelectric.com
Deficient
Ironclad Concrete
dana@ironcladconcrete.com
Verified
Northwind Roofing
priya@northwindroofing.com
Expiring
Summit Plumbing
wendy@summitplumbing.com
With agent
Vantage HVAC
lee@vantagehvac.com
Pending
2

Add your subs.

Add each subcontractor's company, contact, and email — one at a time or a whole list at once. Already have certificates for some? Upload them here.

3

Send the request.

One click sends it to a sub — and you can preview exactly what they'll get first. It goes out from "Ridgeline Construction (via CertRanger)," by email and text.

New request · preview
To: Summit Plumbing · wendy@summitplumbing.com
From: Ridgeline Construction (via CertRanger)
Ridgeline Construction needs a certificate of insurance from you
Tell us your insurance agent and we'll take care of the request — or upload a certificate you already have. No account needed.
Open request
Preview · nothing's sent yet Send request
The sub responds Subcontractor · no account needed
4

A request they can act on in seconds.

It arrives by email and text, from "Ridgeline Construction (via CertRanger)," with one link — no login, no app.

Text message · now
Ridgeline Construction needs a certificate of insurance. Open your request — no account needed:
certranger.com/r/8f2a…
Open request
Secure request from
Ridgeline Construction
Ridgeline Construction needs a certificate of insurance from you
Pick the easiest way to respond
Most subs pick this
Send it to my insurance agent
Upload the certificate I have
Forward it in by email
No account. No cost to you.
5

They pick the easiest option.

The sub taps the link and sees three ways to respond: upload the certificate they have, forward it in, or — the one most subs use — send the request straight to their insurance agent in one tap.  They just have to provide their agent's contact info.

The agent closes the loop Insurance agent · no account needed
6

A request with everything spelled out.

The agent gets a request with everything spelled out. No guessing: the additional insured and required wording, the coverages, limits, and period — everything they need to issue it right the first time.

For your client
Summit Plumbing
What to issue
Action needed
Certificate holder
Ridgeline Construction LLC · Portland, OR
Additional insured
Ridgeline Construction LLC, its officers, and employees
Coverage period
2026-01-01 → 2026-12-31
General Liability
$1,000,000 occ / $2,000,000 agg
additional insured · primary & non-contributory
Workers' Compensation
$1,000,000 E.L. · waiver of subrogation
Summit Plumbing · agent
Upload the COI
Tap to choose a file, or drag it here · PDF or photo
…or just reply to the email with it attached.
7

They send it back.

The agent uploads the certificate right there, or just replies to the email with it attached.

We read it, you see the result CertRanger → you
8

We read the certificate and check it.

CertRanger reads the returned COI and checks it against what you asked for — the right company named as additional insured, dates that cover your period, limits that meet your minimums — across every coverage you required. If something looks wrong, we let the agent and the sub know.

Delta Electrical
Deficient
Named as additional insuredFail
Dates cover the policy periodPass
Limits meet requirementsFail
· Ridgeline Construction LLC isn't named as additional insured — the certificate names Delta Builders Group instead.
· The General Liability aggregate is too low — the certificate shows $1,000,000, but you require at least $2,000,000.
Apex Framing
Verified
Named as additional insuredPass
Dates cover the policy periodPass
Limits meet requirementsPass
Dashboard · Coverage overview
Audit readiness
2 of 6 subs verified
Verified 2 Expiring 1 Deficient 1 Pending 2
Apex Framing
Verified
Delta Electrical
Not named as additional insured
Deficient
Northwind Roofing
Renews in 13 days
Expiring
Summit Plumbing
With agent
9

Your dashboard updates on its own.

The sub's row flips to good-to-go — or, if something's off, needs-a-fix with the exact reason in plain terms, while there's still time to sort it out.

It stays current, and audit is one click General contractor
10

Coverage that spans your whole period.

Your policy year might run January to December, but a sub's certificate could run out in July. CertRanger checks that every certificate covers your full period — and when one's about to lapse before your period ends, it flags the gap and can request an updated certificate from the sub.

Northwind Roofing
Expiring
Lapses before your period ends · gap flagged
We've given Northwind Roofing and their agent a heads-up to send an updated certificate. Reminders fire at 30, 14, and 7 days out.
Heads-up sent
Audit packet Print / Save PDF
1 deficient — these count as your exposure at audit.
Coverage matrix
Jan – Dec 2026
J
F
M
A
M
J
J
A
S
O
N
D
Policy #
Apex Framing
GL-8842019
Delta Electrical
GL-7710
Ironclad Concrete
GL-8842019
Northwind Roofing
GL-8842019
Covered Deficient No coverage
11

Audit day.

Everything's already here: every certificate on file plus a month-by-month coverage summary for the period. Download it in one click and hand it to your agent.

That's the whole loop. Start yours free.

Set your requirements, add your subs, and let CertRanger handle the rest.

No account needed for your subs or their agents.