SubRoster

Find the sub that costs you at audit, before the auditor does.

Forward the certificates your subs send. SubRoster reads each one, checks the sub's state license, keeps the workers' comp proof the state asks for, and chases what's missing, in Spanish or English, until the file is complete.

For contractors For insurance agencies

Built for Florida. Founding price: $99 a month for up to 50 subs.

A sample certificate of insurance, marked up Three problems circled in orange: the general aggregate is $1,000,000 when the contractor requires $2,000,000; the description of operations has no additional insured or waiver of subrogation wording; the workers' comp exemption covers only the officer, not his crew. Certificate of liability insurance Sample. Issued for information only; it does not change the policies listed. Issued 10/02/2026 Producer Agencia Muestra Seguros Miami, FL · certs@muestraseguros.example Insured Muestra Tile & Stone LLC Hialeah, FL Coverage Policy Effective Expires Limits General liability GL-000-4417 03/01/2026 03/01/2027 Each occ. $1,000,000 Gen. aggregate $1,000,000 Automobile AU-000-2290 03/01/2026 03/01/2027 Comb. single $1,000,000 Workers' comp None See exemption Description of operations Tile installation, residential and commercial. Certificate holder Bayside Demo Builders LLC 100 Demo Way, Tampa, FL Authorized representative Certificate of election to be exempt Construction industry. Sample. Officer Luis Muestra Business Muestra Tile & Stone LLC Expires 06/14/2027 You require $2M aggregate No additional insured or waiver wording Covers Luis only. Not his crew.

What gets checked on every sub

Each check is saved with its date and source. When something changes or is about to expire, SubRoster asks again before it becomes a problem.

The certificate
Limits, dates, additional insured, waiver of subrogation, and the holder's name, read from the PDF or a phone photo.
Findings from the certificate show the line they came from.
The state license
Current and active in DBPR's construction licensee file, refreshed every week.
Florida DBPR
Workers' comp
A policy, or an exemption and who it covers. Your office looks it up in the state's search from the sub's page, and SubRoster saves the result with the date and a screenshot.
Florida Division of Workers' Compensation
Stop-work orders
Looked up the same way in the state's stop-work order database, and saved with the date and a screenshot.
Florida Division of Workers' Compensation

Messages go out in your company's name.

Your sub gets a short message in Spanish or English with a link that shows exactly what's missing. Their insurance agent gets the precise request in English: holder name, additional insured, waiver, limits. Most fixes are the agent's job, so the agent gets asked too.

WhatsApp to the sub, once they say yes
Hola, Muestra Tile & Stone LLC. Bayside Demo Builders necesita que actualice su certificado de seguro. Toque el botón para ver qué falta y enviarle la solicitud a su agente. Responda BAJA si no quiere recibir más mensajes.
Certificate request: Muestra Tile & Stone LLC for Bayside Demo Builders LLCEmail to the sub's agent
Please include:
- General liability aggregate of at least $2,000,000.
- Bayside Demo Builders LLC named as additional insured on the general liability policy, with the endorsement attached.
- Waiver of subrogation in favor of Bayside Demo Builders LLC on general liability.

General and specialty contractors

Stop paying premium for subs who should have carried their own. See what one of them can cost you at audit.

See it for contractors

Insurance agencies

Give your contractor clients a sub file that stays current, with your name next to ours.

See it for agencies