Liability shield

Find the Endorsement Gap Before the Sub Starts Work

SubShield flags missing Waiver of Subrogation, Primary & Non-Contributory, and Additional Insured language on every uploaded ACORD 25 — before you approve the sub.

Wide warm-toned photograph of a commercial general contractor's back-office at golden hour, with an office manager at a desk reviewing ACORD insurance paperwork on a laptop showing a compliance dashboard.

The cost of a missing endorsement

Spreadsheets weren't built to catch what gets a GC sued.

SubShield was designed around the three points where compliance silently fails — before the loss notice, before the deposition, before the personal-asset call from your broker.

  • Line-art illustration of an ACORD 25 certificate of insurance form with a magnifying glass highlighting three endorsement lines accented in seal red.

    Extract & verify

    Spreadsheets can't see Waiver of Subrogation language buried in the Description of Operations.

    Endorsements buried on page three — read for you.

  • Line-art illustration of a monthly calendar with three date cells circled in verdigris green, brass amber, and vermilion red representing 30/60/90-day policy renewal windows.

    Renewal calendar

    Annual broker reviews focus on coverage limits; endorsement language is usually a footnote.

    Expiration windows the spreadsheet would have missed.

  • Line-art illustration of a stack of ACORD certificate documents with the topmost card lifted and stamped with a clear octagonal seal-red APPROVED mark.

    Audit trail

    When a sub's GL exhausts and the additional-insured endorsement isn't valid, the gap is yours.

    An audit-ready record of every approved COI.

Four steps · The whole audit, before lunch

How a SubShield audit runs

  1. Upload an ACORD 25 PDF

    Drag the standard certificate of insurance your sub’s broker already sends.

  2. SubShield extracts the policy data

    GL, Auto, Umbrella, WC, Excess limits — plus WoS, P&NC, and Additional Insured endorsements.

  3. Audit runs against your template

    Each limit compared to your minimums, each endorsement checked against your requirements.

  4. See the verdict in seconds

    Compliant, Expiring, or Non-Compliant — with the specific gaps your broker would have missed.

Compliant

All required limits met, all three endorsements confirmed.

Expiring

Coverage is in place — but the policy lapses inside your renewal window.

Non-Compliant

A limit falls below your template, or a required endorsement is missing.

See a Sample Audit
Built around the three endorsements industry literature flags as the recurring GC-uninsured-loss pattern: WoS, P&NC, and Additional Insured.
The SubShield audit standard

Pricing · One honest plan

199/month

SubShield Pro

  • 100 active subcontractors
  • Unlimited COI audits, every endorsement extracted
  • 30/60/90-day automatic renewal reminders
  • Audit-grade CSV export for your file

Stamped · Early access

SubShield is in private validation. Drop your work email and we’ll let you in when general access opens.

See a Sample AuditSee the full plan details →

Common questions

Three quick things before you upload your first COI.

US commercial general contractors with roughly 20 to 200 active subcontractors. Too big for spreadsheets, too small for the 200-COI minimum on enterprise platforms like myCOI. If your office manager spends Monday mornings chasing expiring policies, this is for you.

More on coverage, exports, and team access in the full FAQ.