CoverWatch tracks your subcontractors’ insurance and prices every gap in pounds — so you chase the expensive one first, not the loudest one. Built for builders and main contractors with 5 to 50 subs, not for a risk manager you don’t have.
No card required. The demo is a fully loaded example account — no signup.
Today this lives on a spreadsheet that tracks dates but not limits or endorsements, and can’t tell you which open problem is the expensive one. Three things go wrong when one slips through:
If a sub can’t show their own Employers’ and Public Liability for the period they worked, your insurer treats them as labour-only — their wages land on your wageroll and you’re charged premium at the renewal audit. A real invoice, usually in the thousands.
If an uncovered sub causes injury or damage on your site, your policy — or your own bank account — pays for it, and your future premium climbs with it.
Under-declare your subs and the averaging clause bites: pay 80% of the premium you should have and the insurer pays 80% of the claim. You find out the day you claim.
Every other tracker shows you a list of expiring dates. CoverWatch shows you what each gap actually costs and sorts by it — which turns an admin chore into a loss-prevention decision the owner can act on.
Enter your subcontractors and what your contract requires — limits, clauses, cover lines. Or send them a link to upload their own certificate.
CoverWatch checks every certificate against your requirements and prices each gap in pounds, sorted worst-first. No more guessing which of fourteen problems matters.
It emails the right sub at the right time on an escalating schedule, keeps an audit-ready evidence trail, and tells you the moment someone shouldn’t be on site.
One plan, one flat fee, unlimited subcontractors. No per-sub charge, no tiers to outgrow.
CoverWatch’s exposure figures are a decision aid, not an insurance or legal opinion — they tell you which sub to chase first and roughly what it’s worth. They don’t replace your broker’s advice.