Free Subcontractor COI (ACORD 25) & Workers' Comp Audit Checker

Under state statutory-employer laws (such as Georgia O.C.G.A. § 34-9-8), if a subcontractor lacks active Workers' Comp coverage on the dates you pay them, your insurance auditor reclassifies 100% of their 1099 payments as your payroll. Check your sub roster below and generate an Audit Defense Schedule PDF or Subcontractor COI Demand Notice in your browser.

🔒 100% Client-Side Audit Engine: Enter your 1099 subcontractor rows below (or load the sample audit ledger). Nothing leaves your device. Built for small general contractors, construction CPAs, and commercial insurance brokers.

Total 1099 Sub Payments $0

Verified Compliant Payments $0

Uninsured / Exposed Payments $0

Est. WC Audit Back-Bill Penalty $0

1. General Contractor & Policy Audit Period

Hiring Contractor Legal Name *

Primary State Jurisdiction

Policy Audit Period Start

Policy Audit Period End

CPA / Commercial Insurance Broker Audit Stamp

2. Instant ACORD 25 Certificate Dropzone & Parser (Optional)

Drop a subcontractor's ACORD 25 PDF file (or click a simulation button) below to scan locally in your browser for WORKERS COMPENSATION AND EMPLOYERS' LIABILITY, PER STATUTE, and policy expiration dates, and append it straight to your audit ledger.

3. Subcontractor 1099 & ACORD 25 Coverage Ledger

Note: A General Liability-only ACORD 25 does not stop a Workers' Comp audit surcharge. Either the bottom Workers Compensation & Employers' Liability row must have PER STATUTE checked with active dates, or you must hold a valid state exemption certificate.

Are you a CPA or Commercial Insurance Broker?

Stop finding out in March that your contractor client paid $80,000 to an uninsured framing crew. Brand this pre-audit checker under your firm's name and send it to clients before 1099 season.

Brand This Desk for Your Firm

Works with Wayne Jones CPA, Dasher Accounting, or any custom firm.