Free tools
See what an audit could charge you for subs from your own payments report, with guides, samples and templates for every step around certificates. No account or email needed.
New to premium audits? Read how an audit charges you for subs
Before the audit
Upload a payments report from QuickBooks, Xero, Sage or another program, and tick the subs you can show a certificate for. See what an audit could add at your rates for the rest.
Free to read, copy and print. Each one states facts with their sources.
Before the audit
What auditors count, why a sub with no certificate costs you, and how to get ready.
When the audit letter comes
What the auditor asks for, from payroll reports to a certificate for each sub. Print it and gather each item.
When the bill comes
What to send, the deadlines carriers publish and a sample letter to start from.
When a tenant or vendor starts
Samples for tenants and vendors that name the exact certificate, endorsement pages and, for a tenant, the ACORD 28.
For your subs
A sample note your subs can send their insurance agent, naming the exact certificate and endorsements you ask for.
To track certificates yourself
The spreadsheet flags short limits and policies about to expire, and the Word files are yours to edit and send.
The estimate works out what you upload or type, and the guides state facts with their sources. Nothing here is insurance or legal advice.
Coverstamp keeps track of your subs' certificates for you. It asks for each one, checks it against your requirements and follows up on what's missing. It opens in early 2027, and people on the list get in first.