Guides

Plain-English references for the people who actually chase certificates.

• myCOI alternatives for small contractors and property managers (2026)

  myCOI, Jones, TrustLayer and Billy are built for firms with hundreds of certificates. Here is how they compare for a company with 10–250 vendors, and what CoverClerk does differently.

• How to read an ACORD 25 certificate of insurance (line by line)

  What every box on a subcontractor's certificate of liability insurance means, which ones actually protect you, and the five places problems hide.

• Subcontractor insurance requirements: a template GCs can copy

  Minimum limits, endorsements and certificate wording to require from subs, with variations for high-hazard trades and owner-driven contracts.

• Certificate of insurance tracking spreadsheet: free template and where it breaks

  A working spreadsheet layout for tracking subcontractor COIs, plus the four failure points that show up once you pass about 25 vendors.

• Additional insured endorsement checklist for general contractors

  How to confirm a subcontractor's policy actually names you as additional insured — the certificate checkbox is not enough.