COI tracking for electrical contractors

Do not file the journeyman card as a COI

A state electrician license shows that a person met the licensing board's requirements. It does not show that your firm has liability insurance, and it does not show that the boring crew does. Keep licenses on the employee records described on the electrician license page. Keep certificates of insurance on the company and on each subcontractor. When both expirations exist, they rarely match, and a single reminder date will be wrong for one of them.

For subcontractors, split the lines the GC splits: general liability, workers' compensation, automobile, umbrella. A fire-alarm firm that only sent you general liability has not answered the workers' compensation question. Record what you received and leave the missing line off rather than guessing it is included. The missing line is visible because the document was never added.

Flow-down from the GC, and flow-down from you

If your subcontract requires you to carry certain limits and to name the GC as additional insured, that language applies to your policy. It may also require you to obtain the same from your subs. The additional insured checklist is the reading list for that clause. The tracker stores the certificate you decided to accept and the date it ends. It will not compare an endorsement form to the subcontract for you.

Reminders at 30, 14, and 7 days give the office time to chase a boring crew that is hard to reach once they have moved to the next county. The update link is easier than asking them to remember which project manager wanted the PDF. Review is where you reject a certificate that names a different electrical contractor with a similar name. That happens more often than anyone admits.

• Company COI on the company record. Employee licenses on the people.
• One party per subcontractor company, including one-time boring crews.
• Do not mark a coverage line current if you never received the page.
• Use the expiry printed on the certificate.

Shop size

A service electrician with a few specialty partners fits Starter, 25 parties and 3 seats. A bid-work contractor with alarm, generator, and underground partners across several jobs is usually Pro, 100 parties and 10 seats. Business is 300 parties and 25 seats for a shop where project managers and the safety lead all need the board. Annual is two months free, same limits. The 7-day trial is only for first-time subscribers.

Nothing on this page is a statement about whether your limits satisfy a particular owner. Read the certificate with the subcontractor COI checklist, and ask your broker when the contract demands an endorsement you cannot see on the form. The product's job is the date and the file, so the next mobilization does not rely on memory.