The most expensive insurance problem on a building site is the one nobody sees coming: a subcontractor whose cover quietly lapsed — found out months later at your renewal audit, or the day you try to claim. CoverWatch exists to make that gap visible, and to put a pound figure on it before it costs you.
In the UK, a labour-only subcontractor who can’t show their own Employers’ and Public Liability gets treated as your employee — their wages land on your wageroll and you’re charged premium at the renewal audit. A bona-fide sub with their own cover is excluded. The difference is real money, it’s discovered too late, and until now it lived on a spreadsheet that tracks dates but never tells you what a lapse actually costs. That’s the gap we close.
Most tools hand you a to-do list of fourteen problems. We price every gap in pounds and sort by cost, so you spend your time on the one that actually matters.
We don’t sell insurance and we’re not owned by a broker or insurer. The numbers aren’t a nudge toward a policy — they’re just the maths, and you can edit every assumption to match your own broker’s.
The figures are a decision aid, not a guarantee, and we say so plainly. We flag a sub who’s under-limit as a contract breach, not a fake five-figure disaster. Numbers you can show your broker without blushing.
One flat fee, unlimited subcontractors, no per-sub charge and no enterprise sales call. Built for the 5-to-50-sub builder who doesn’t have a compliance department.
CoverWatch is independent — we don’t sell insurance and we’re not owned by a broker or insurer, so the figures are just the maths. It’s built for builders and main contractors who have to keep on top of subcontractor compliance without a dedicated team, by people who think that job should take minutes, not evenings.
We’re new and independent, and we’d sooner show you than tell you. So instead of slogans:
Explore a fully-loaded example account with no signup and no card, then run a 2-month free trial on your own numbers. Cancel any time.
Backed up nightly, never sold, and deletable on request. See our Privacy Policy.
Every pound figure comes from assumptions you can see and edit — no black box.
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.