CoverWatch collects them for you — automatic, escalating reminders with a one-tap upload link, so certificates come to you and you’re always audit-ready. Built for builders and main contractors with 5 to 50 subs, not for a compliance department you don’t have.
Free for 2 months, then £20/month — cancel any time. Prefer a look first? The demo is a fully loaded example account, no signup.
The bit you actually hate — nagging subs for paperwork and keeping a spreadsheet current — CoverWatch does automatically. Set the rules once; it collects every certificate, keeps them current, and hands you an audit-ready pack the day your insurer asks.
Tell CoverWatch the cover, limits and clauses your contract needs. That’s the only setup: do it once and it applies to every subcontractor.
When cover is missing or about to lapse, CoverWatch emails the right sub at the right time on an escalating schedule. No more nagging, no more diary reminders, no more spreadsheet.
Each sub gets their own secure link. They attach the certificate from their phone; it lands in your review queue and clears them the moment you approve.
Left on a spreadsheet, a certificate that quietly lapses doesn’t just make a mess — it costs real money. Three ways it bites:
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.
When several subs are non-compliant at once, CoverWatch prices each gap in pounds and sorts by cost — so your time goes on the expensive one, not the loudest. A quiet bonus on top of the automatic chasing, not a spreadsheet to babysit.
Two tiers, everything included in both. Most builders never outgrow Starter. 2-month free trial, cancel any time.
On Starter and grew past 25 subs? Upgrade to Unlimited in one click — no data lost.
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.