YOUR RULES — THE REGISTER READS THESE Warn me this many days before an expiry Thirty days gives a broker time to issue a renewal certificate. Fourteen usually does not. General liability limit your contracts require This figure comes from your own contracts and your own insurer. Ask them and type theirs — do not guess it.

YOUR BENCH Subcontractors you actually use How many have no current certificate Count expired the same as never provided. An expired certificate is not a certificate. How many have no W-9 on file Paid to subcontractors last year

WHAT ONE CLAIM WOULD COST A typical injury or damage claim on your work Ask your agent what the last one in your trade actually settled for. Your general liability deductible Your annual general liability premium Premium increase after a claim Your agent can tell you what a claim did to a comparable policy. Type that. Odds one claim lands in the next twelve months Be honest. Your own five-year history is a better guide than optimism.

THE PAPER CHASE Rate charged on uninsured sub payments at audit At a policy audit, money paid to a sub with no certificate is commonly rated as though it were your own payroll. Your policy sets the rate — ask your agent for yours. Penalty your accountant quotes per missing W-9 This figure changes year to year and with how late the filing is. Ask your accountant and type theirs. Hours a year chasing paper, per subcontractor What an hour of your own time costs

THE GAP

Share of your bench with no current paper—

Share fully covered right now—

Money paid to uncovered subs—

WHAT IT COSTS EVERY YEAR

Extra premium charged at audit—

Missing W-9 penalties—

Your own time chasing certificates—

CARRIED EVERY YEAR—

WHAT ONE CLAIM COSTS

Your deductible—

Three years of higher premium—

If your own policy pays it—

If nobody's policy pays it—

THE NUMBER

WHAT THE MISSING PAPER IS COSTING YOU—

Per subcontractor on your bench—

Subcontractor Register

One row per subcontractor. Type the dates off the certificate itself. The last four columns work themselves out.

	Docs missing	Soonest expiry	Days left	Status
1	—	—	—	—
2	—	—	—	—
3	—	—	—	—
4	—	—	—	—
5	—	—	—	—
6	—	—	—	—
7	—	—	—	—
8	—	—	—	—
9	—	—	—	—
10	—	—	—	—
11	—	—	—	—
12	—	—	—	—
13	—	—	—	—
14	—	—	—	—
15	—	—	—	—

Subcontractor Insurance & W-9 Compliance Tracker

THE GAP

WHAT IT COSTS EVERY YEAR

WHAT ONE CLAIM COSTS

THE NUMBER

Subcontractor Register

Want it as a spreadsheet you own?

Subcontractor Insurance & W-9 Compliance Tracker: the full workbook

Email me these results

	Docs missing	Soonest expiry	Days left	Status
1	—	—	—	—
2	—	—	—	—
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	Docs missing	Soonest expiry	Days left	Status
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	Docs missing	Soonest expiry	Days left	Status
1	—	—	—	—
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15	—	—	—	—