SubRoster
[Your agency]×SubRoster

Your contractor clients' sub files, kept current.

Offer SubRoster to the contractors you insure. It reads their subs' certificates, checks Florida's records, and sends each sub's agent the exact fix, so the premium audit stops turning into a dispute you have to referee.

Built for Florida agencies with contractor books.

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 your agency sees

Sample data. Every company and person here is invented.

Every contractor client, and where each one's sub file stands today. Each client is the certificate holder for its own subs, with its own requirements.

ClientSubsClearNeeds actionBlocked or missingNext expiration

How it works for an agency

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

Your team, or your clients, forward certificates to your agency's SubRoster address. The certificate holder on each one tells SubRoster which client it belongs to. Messages go out in the client's name. Subs who want more work can claim a free profile on LicensedAndInsured.com; that's their choice, made on that site.