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Compliance.
Vera-fied.

Automated subcontractor insurance verification for modern contractors. Eliminate manual chaos, prevent uninsured losses, stay ahead of every audit.

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2-minute onboarding
Built for contractors
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Subcontractor COI · PDF
Certificate of Insurance
Vera AI reading document…
General Liability$1M / $2M
Workers' CompStatutory
Additional InsuredIncluded
Waiver of SubrogationIncluded
Policy DatesActive
Compliance score0
The problem

Manual COI tracking is costing you
time, jobs, and money

Contractors lose an average of 6+ hours per week on manual insurance tracking. That's time that belongs on the job site — not in a spreadsheet.

Most contractors manage subcontractor insurance with spreadsheets and email — until one lapse causes a six-figure claim.

01
Document chaos

Excel spreadsheets fail you

Manually chasing, emailing, and filing COIs for 20+ subs eats hours every week — hours that could go toward running jobs, not paperwork.

02
Expiration risk

Missed expirations = liability

A single expired COI on a job site can expose your company to unlimited liability. No alerts means you find out after the claim.

03
Audit stress

Audit prep takes days — not hours

Contractors spend 2–3 days hunting documents before every audit. That's unbillable time you never get back — and it still reveals gaps.

The solution

Vera automates everything
from upload to audit

AI reads, compares, and tracks every subcontractor insurance document so you never miss an issue again.

01

We preload your reference policy

We set your required coverage limits, endorsements, and policy terms inside Vera once — and it's done.

02

Send out subcontractor COI Requests — Subcontractor Uploads

Any PDF or image. Vera AI extracts all policy data automatically — no manual data entry required.

03

AI compares and reports instantly

Vera AI reads both documents side-by-side and generates a detailed pass/fail report in seconds — including missing endorsements and coverage gaps.

04

Alerts and audit packages auto-generate

Vera tracks every expiration, sends reminders, and packages all documents into one-click audit exports whenever you need them.

AI Verification — Torres Framing
Medium risk
General Liability
$1M / $2M
Workers Comp
Statutory
Additional Insured
Missing
Waiver of Subrogation
Expiring
Policy dates
Active
Risk score
64 / 100
Features

Everything you need to run
a compliant operation

AI COI Verification

Vera AI reads both documents and generates a detailed pass/fail report with specific coverage gaps and missing endorsements — instantly.

Compliance Dashboard

Real-time view of every subcontractor's compliance status, document currency, and risk score in one clean interface.

Smart Expiration Alerts

Automated reminders at 60, 30, and 7 days before any policy expires. Never miss a renewal again.

One-Click Audit Export

Generate a complete, labeled document package in seconds when auditors arrive. Ready to send immediately.

Agency Portal

Insurance agencies get a separate dashboard to manage clients, preload reference policies, and track compliance across their book of business.

HubSpot Integration

Sync contractor compliance data to HubSpot, tag high-risk accounts, and trigger automated renewal and upsell workflows.

How it works

Up and running in
under 2 minutes

No enterprise setup. No training required. Just sign up and start verifying.

01

Create your account

Sign up in 60 seconds. Your ACI agent preloads your reference policy requirements immediately.

02

Add subcontractors

Create profiles and invite subs to upload their COIs directly into Vera.

03

Vera verifies instantly

Vera AI reads every document and flags gaps, expirations, and missing endorsements automatically.

04

Stay compliant forever

Automated alerts and one-click audit exports keep you protected 365 days a year.

Pricing

Everything you need.
Insurance included.

Compliance software + E&O insurance, bundled into one simple plan. No separate policy. No extra broker.

Everything included
Vera Plan
All-In
For contractors who are done wasting time on compliance.
$ 129
per year · cancel anytime
 
E&O Insurance included Built in
Basic Errors & Omissions protection covering your compliance documentation and reporting activities.
$250K coverage limit · Annual aggregate
  • AI COI VerificationUp to 10 subcontractors
  • Compliance TrackingReal-time status dashboard
  • Document Storage10 GB secure storage
  • Expiration Alerts30-day advance notice
  • Audit-Ready ReportsBasic PDF export
  • Risk MonitoringCompliance score tracking
E&O insurance included
No separate broker needed
Cancel anytime
14-day free trial

Ready to eliminate
compliance risk?

Join contractors and agencies using Vera to automate subcontractor insurance verification.

Good morning, Vera General Contracting

Here's your compliance snapshot for today.
Compliance Score
82
↑ +4 pts this month
Active Subcontractors
14
2 need attention
Expiring Soon
3
Within 30 days
Audit Readiness
74%
2 docs missing
© OpenStreetMap contributors
Status Compliant Expiring Soon High Risk Completed Click a marker for details
Compliance Overview82 / 100
82
/ 100
COIs verified12 / 14
WC certs current10 / 14
W-9s on file14 / 14
EndorsementsMissing 2
Active Alerts3 issues
COI expired — Rivera Electrical Critical
Expired 3 days ago. Job site access at risk until renewed.
Fix now ›
WC expiring — Torres Framing High
Workers comp expires in 11 days. Request renewal now.
Remind ›
Audit scheduled — Q2 review Info
June 15. 2 critical documents still missing from package.
Prepare ›
Subcontractors
RE
Rivera Electrical
GL · Workers Comp
Expired
5/17/25
TF
Torres Framing
GL · WC · Waiver of Subrogation
11 days left
6/1/25
MP
Mesa Plumbing
All documents current
Compliant
9/30/25
SR
Sonoran Roofing
All documents current
Compliant
8/15/25
DC
Desert Concrete
GL · WC · E&O
Compliant
11/30/25

Your audit is 26 days away — 2 documents missing

Upload your P&L statement and subcontractor 1099s to avoid estimated premium increases.

Audit Intelligence

Know exactly what you need, why you need it, and what happens if you don't provide it.
Your Audit Type: Revenue-Based
P&L Required
Your GL policy is rated on gross receipts. The auditor will compare your actual revenue against your policy estimate and may assess additional premium. A P&L statement, revenue breakdown by trade, and subcontractor documentation are required.
Confidence95%
General Liability
Travelers
Class 91580
Vera's Recommendations
2 critical documents missing Critical
Without a Profit & Loss Statement (P&L) and Subcontractor Payment Records (1099s), your audit outcome will be estimated — typically resulting in 20–40% higher premiums.
Upload now ›
P&L statement is required for your audit type High
You are on a revenue-based audit. Without a P&L, auditors typically estimate your revenue 20–40% higher than actual — meaning you overpay.
Upload P&L ›
Subcontractor documentation incomplete High
You've indicated you use subcontractors, but COI and/or payment documentation (1099s) is missing. This may increase your audit cost significantly.
Complete sub docs ›
1 document needs review Medium
A subcontractor COI has been uploaded but may need verification before audit submission. Torres Framing's waiver of subrogation expires in 11 days.
Review now ›
3 subcontractors fully compliant Good
Mesa Plumbing, Sonoran Roofing, and Desert Concrete have all required documentation. No action needed.
View ›
Audit Readiness Score
74%
Ready
Documents
65%
Sub COIs
86%
Financials
0%
Endorsements
80%
Document Checklist5 of 8 complete
Certificates of Insurance
14 files
Workers Comp Certificates
12 files
W-9 Forms
14 files
P&L Statement
Required
Subcontractor 1099s
Required
Subcontract Agreements
11 / 14
Revenue Breakdown by Trade
On file
Safety Training Records
Optional

COI Checker

Fast compliance check — Vera AI flags missing items and key risk signals instantly.
1
Reference Policy / Requirements
What you require from subcontractors
Use preloaded policy from Affordable Contractors Insurance (ACI) Recommended
Preloaded by your ACI insurance agent — always current with your required coverage terms.
ACI_Reference_Policy_VGC.pdf Current
Upload a different reference document
Contract requirements sheet, project spec, or custom coverage document.
vs
2
Subcontractor's COI
The document they submitted
Drop subcontractor COI here
PDF or image — Vera AI reads it automatically

COI on Demand

Generate a certificate from your policy on file. Changing the Named Insured or adding endorsements notifies your agency.
1 · Source COI
2 · Named Insured
3 · Endorsement requests

Subcontractors

Manage subcontractor compliance, documents, and communication.
Subcontractor
Trade
Coverage
Expires
Status
Actions

Alerts

3 items need your attention.
COI expired — Rivera Electrical Critical
General Liability and Workers Comp expired 3 days ago. Rivera Electrical should not be on any job site until this is resolved. Request a renewed COI immediately.
Workers Comp expiring — Torres Framing High
Workers Compensation coverage expires in 11 days on June 1. Request renewal now to avoid a lapse. Waiver of subrogation also requires verification before audit.
Audit prep: 2 critical documents missing Audit
Your Q2 audit is scheduled for June 15. P&L Statement and Subcontractor 1099s are required. Without them, your premium may be estimated 20–40% higher than actual.

Agency Portal

Affordable Contractors Insurance — manage clients, policies, and compliance.
Total Clients
128
↑ +12 this month
Avg Compliance
76
↑ +3 pts
High-Risk Accounts
11
Need outreach
Open Leads
5
$42,800 pipeline
Client Compliance Breakdown
Fully compliant (90+)54 clients
Moderate risk (70–89)63 clients
High risk (under 70)11 clients
Revenue Opportunities
VM
Vertex Mechanical Inc
GL aggregate below required limit
Moderate
IR
Ironclad Roofing
Umbrella expires in 14 days
Moderate
Contractor Accounts
Every contractor in your portfolio. Click an account to view full details.
Company
Trade
Policies
Compliance
Risk
Status
Lead Opportunities
Cross-portal opportunities surfaced from compliance gaps and COI reviews.
5
Open Leads
Currently in pipeline
1
Critical
Need agent action
$42,800
Pipeline Value
Open opportunity total
$9,800
Closed Won
Lifetime won value
CRITICAL 1
$18,000 pipeline
IN PROGRESS
CE
Coastline Electric
Missing Workers Comp coverage
Quote WC policy immediately
Called insured — quoting WC policy with State Fund. Follow up Friday.
3 days ago
$18,000
est. value
MODERATE 2
$10,700 pipeline
NEW
VM
Vertex Mechanical Inc
GL aggregate below required limit
Increase GL limits to $2M aggregate
3 days ago
$4,200
est. value
IN PROGRESS
IR
Ironclad Roofing
Umbrella expires in 14 days
Send renewal quote
3 days ago
$6,500
est. value
MINOR 2
$14,100 pipeline
NEW
SC
Stonebridge Construction
Add umbrella policy
→ Quote $1M umbrella
$7,200
est. value
NEW
SM
Summit Concrete Co
Auto renewal due Q3
→ Initiate renewal conversation
$6,900
est. value
Policy Comparison Tool
Internal use only — upload two policies or COIs and Vera will compare them side-by-side. Use for talking points, quoting new leads, and gap identification.
Internal reference only — not shared with contractors
Policy A — Current / Existing
Drop Policy A or COI here
PDF, JPG, or PNG
VS
Policy B — Quoted / Alternative
Drop Policy B or COI here
PDF, JPG, or PNG
Preload Reference Policy — New Client
COI on Demand — Activity
Every time a contractor downloads an edited certificate, it lands here for all agents and is logged to that client's policy history.
Notifications · all agents
Client policy history · internal notes

Settings

Manage your account, documents, and team.
Documents uploaded by you or your ACI agent. These can be used as reference policies in the COI Checker.
ACI Insurance Agency Preloaded by your CSR
PDF
ACI_Reference_Policy_VGC.pdf
Reference policy · Sarah M. (ACI) · April 2, 2025
CurrentReference
PDF
ACI_Coverage_Requirements_2025.pdf
Coverage spec sheet · Sarah M. (ACI) · March 15, 2025
Current
My Policies Your uploads
PDF
VGC_GL_Policy_2025.pdf
General Liability · $2M/$4M aggregate · Expires Dec 31, 2025
Active
PDF
VGC_WorkersComp_2025.pdf
Workers Compensation · Statutory · Expires Sep 30, 2025
Active
PDF
VGC_GL_Policy_2024.pdf
General Liability · Previous year · Expired Dec 31, 2024
Expired
Company Details
Team Members
VGC
Alex Chen
admin@veragc.com
Owner
JR
Jamie Rodriguez
jamie@veragc.com
Admin
TK
Tyler Kim
tyler@veragc.com
Viewer