Vera automates subcontractor insurance compliance. You set your required coverage (or your agent preloads it), your subs' Certificates of Insurance go into Vera, and it reads each one and compares it line-by-line against your requirements — flagging missing endorsements, low limits, wrong coverage types, and expired policies. Instead of checking PDFs against a checklist by hand, you get an instant pass/fail with the exact gaps spelled out.

Yes — that's Real-Time COI Monitoring. A certificate is just a snapshot; it goes stale the moment a policy changes. Instead of trusting that PDF, Vera syncs with your agency's management system to track the live policy, flagging cancellations, lapses, and coverage reductions as they happen. You learn a sub is no longer covered right away — not when the certificate finally expires.

Yes. One flat $129/year covers unlimited subcontractors, and E&O insurance is included in that number. Most COI-tracking platforms bill per subcontractor, so the cost climbs into the thousands as you grow. Vera stays the same price whether you're tracking 5 subs or 500.

Every plan bundles basic Errors & Omissions protection covering your compliance documentation and reporting activities, with a $10,000 annual aggregate limit. It's there so a paperwork mistake doesn't land on you. It isn't a replacement for your general liability or project insurance — it sits alongside them. Exact terms are governed by the policy itself, which your agent can walk you through.

No. Vera is an independent compliance platform — it works with your existing coverage and whichever agency you use. The bundled E&O sits alongside your current policies, so you don't have to move or replace anything to get started.

Yes. Vera links you straight to your provider's payment portal, so you can check your balance and pay your premium without digging up a separate login — just follow the payment link from your dashboard to your agency's secure portal. Your insurance premium is billed by your provider and is separate from your $129/year Vera subscription.

Vera is built specifically for ACORD certificates and the endorsements that matter in construction — additional insured (CG 20 10 / CG 20 37), waivers of subrogation, primary & non-contributory wording, and more. It extracts the details and checks them against your requirements in seconds. Anything ambiguous or borderline is flagged for your review rather than quietly passed, so the final call always stays with you.

Two ways: invite your subs to upload their certificate directly into Vera, or drop in a PDF or photo yourself. Either way Vera reads it automatically — no manual data entry. Your subs don't need to buy anything; sending their COI to you is free for them.

Vera tracks every expiration date and sends automated alerts at 60, 30, and 7 days out, so a lapse never sneaks up on you mid-project. Expiring subs surface on your dashboard with a single click to request an updated certificate.

General liability, workers' comp, auto, umbrella/excess, and professional liability — plus the endorsements auditors look for: additional insured (ongoing and completed operations), waiver of subrogation, and primary & non-contributory. You define the limits and requirements you need, and Vera checks each certificate against them.

Yes on both. There's no long-term contract — the plan is annual and you can cancel anytime. Your documents are encrypted in transit and at rest, access is limited to your account, and we're pursuing SOC 2 as we grow. Your compliance records stay yours.