SubRoster

Your carrier can bill you for every sub without proof on file.

SubRoster keeps that proof current. It reads each certificate, checks the state license, keeps the workers' comp proof the state asks for, and chases your subs and their agents, in Spanish or English, until every file is complete.

Start for $99 See it read a certificate

First month refundable within 30 days. No contract.

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.

You forward it. SubRoster reads it and chases it.

This demo runs on sample data. Tap through each step.

Fromoffice@baysidedemo.example
Tocerts+bayside@getsubroster.com
SubjectFwd: seguro Muestra Tile

---------- Forwarded message ----------
From: Luis Muestra <luis@muestratile.example>

Aquí está el seguro. Cel (305) 555-0142

PDF muestra-certificado.pdf

Every company gets its own address. Your sub's mobile and email are picked up from the forwarded message, because the certificate doesn't carry them.

What one sub without proof costs at audit

At the premium audit, carriers count what you paid a sub with no proof of coverage as your own payroll. Put in your numbers.

Share your carrier counts as payroll
Percent. Many count all of it; some count only the labor share.
It's on your policy next to the class code. It varies a lot by trade.
Estimate: your carrier can add
$10,000

to your premium at audit, for one year.

This is an estimate. Rates, class codes and how each carrier counts payments to subs vary, and the Department assesses any actual penalty. Not legal advice; confirm with your attorney or insurance advisor. Read the official text: Fla. Stat. 440.107 and Rule 69L-6.032.

Check a license now

Type a Florida construction license number. The answer comes from DBPR's public licensee file, which SubRoster loads every week.

One price, set by the size of your roster

Every plan includes the same things. Founding prices for the first companies, locked for as long as you stay subscribed.

Subs on your rosterMonthly
Up to 50$99 founding price
51 to 150$249
151 and up$449
  • Every certificate your subs send, read
  • Spanish and English chasing by email, and by WhatsApp for subs who say yes
  • Exact requests to each sub's insurance agent
  • Weekly DBPR license check
  • State check log with screenshots
  • Audit file PDF whenever you need it
  • Logins for your whole office
  • Import your list from a spreadsheet
Start for $99

Questions

Does SubRoster make me compliant?

No. Florida law puts the duty on you, the contractor: Rule 69L-6.032 says the contractor shall obtain evidence of each sub's coverage or exemption. SubRoster assists with that duty: it reads what your subs send, records what the state's records showed and when, and asks for what's missing. It doesn't confirm coverage is in force, and it doesn't decide what to require or who can work; that's your call, with your insurance advisor.

What does "checked as of" mean?

SubRoster saves what the certificate and the state's records showed on that date, with the source. Coverage can change afterward; that's why SubRoster re-checks and asks for documents before they expire.

Do my subs have to sign up?

No. They get a link that shows what's missing. With one tap they send the request to their agent, or upload a new certificate. There's nothing to download.

Does this replace my insurance agent?

No. We do not sell, solicit, negotiate, or advise on insurance. Your agent still tells you what to require; SubRoster does the asking and the filing.

What counts as workers' comp proof?

Rule 69L-6.032 accepts a screen print of the state's Proof of Coverage or Exemption search. A certificate of insurance counts only if it shows the seven items the rule lists, including policy dates that cover the dates the sub worked, and if work continues past the expiration, you need new proof. Under the rule, a contractor that obtains proper proof isn't issued a stop-work order for the sub's failure, as long as its own employees are covered. SubRoster opens the right search, saves your screenshot with the date and time, and asks for new proof before the old one expires.

Official text: Rule 69L-6.032 and Fla. Stat. 440.107. Not legal advice; confirm with your attorney or insurance advisor.

What happens to W-9s?

If a W-9 lands in your SubRoster address, it's recognized and deleted without keeping the taxpayer number.

What about WhatsApp?

SubRoster messages a sub on WhatsApp only after the sub says yes themselves, from their link or by sending us a message from their phone. You can invite them; you can't sign them up. Until then, you can send them their link from your own WhatsApp. They can reply STOP (or BAJA) at any time.

Can I cancel?

Yes, month to month, any time. If the first month isn't useful, it's refunded if you ask within 30 days.