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Covrion
CONSTRUCTION RISK CONTROLBuilt for subcontractor-heavy businesses

Know which subcontractor dollars are documented before the auditor does.

Covrion reconciles subcontractor payments against COIs, W-9s and recorded coverage periods, so missing evidence becomes a dollar amount you can act on—not a surprise at audit time. Start with a free risk scan for up to 3 subcontractors and 8 evidence files—no card required.

Run a free risk scan See how it works
Private document storageNo card for free scanPayment-level reconciliation
AUDIT READINESS84%
Illustrative workspace
Subcontractor spend$487,250
Needs review$31,500
!

Smith Concrete$14,000 without supporting WC evidence

↗

Denver FramingCoverage gap overlaps imported payments

✓

Front Range RoofingPayments match recorded coverage

GENERAL CONTRACTORSROOFING & EXTERIORSREMODELINGFENCE & TRADE CONTRACTORSCONSTRUCTION FINANCE TEAMS
THE PROBLEM

A spreadsheet knows a certificate exists. It does not know whether your money was covered.

Follow the dollars

Import subcontractor payments and see the amount tied to each vendor during the policy year.

Read the evidence

Upload COIs and W-9s. Covrion extracts Workers’ Comp and GL policy terms separately.

Find the gaps

Each payment date is checked against the selected insurance audit lens so exceptions surface before audit season.

Keep one ledger

Replace scattered inboxes, folders and spreadsheets with one organization-scoped evidence record.

WITHOUT COVRION

“We have the COI somewhere.”

  • Certificates live in inboxes and folders.
  • Payment reports live in accounting software.
  • Expired evidence gets noticed after the gap exists.
  • Workers’ Comp and GL dates are easy to blur together.
WITH COVRION

“We know which dollars have evidence.”

  • Every payment is tied to a subcontractor and date.
  • WC and GL coverage are tracked as separate evidence lines.
  • Upcoming expirations move into a renewal queue.
  • Audit exposure becomes a prioritized dollar amount.
HOW IT WORKS

From accounting export to audit-ready evidence in three moves.

01

Import payments

Drop in a QuickBooks-style CSV. Duplicate rows are ignored automatically.

02

Attach COIs + W-9s

Documents stay private while AI extracts the fields needed for reconciliation.

03

Work the exceptions

Covrion shows which vendors and dollars still need evidence, then exports the ledger.

WHAT COVRION CATCHES

Operational problems become visible before they become audit surprises.

$14,000

Payment outside WC coverage

A subcontractor was paid after the Workers’ Comp period on file had ended. Covrion flags the dollars and the evidence gap together.

12 DAYS

Certificate renewal approaching

The current audit-lens coverage is nearing expiration. The vendor enters the renewal queue before new payments create a larger gap.

WC ≠ GL

Separate insurance evidence

A certificate can contain multiple policies. Covrion keeps Workers’ Comp and General Liability dates distinct instead of treating one as the other.

EXCEPTION CENTER

One queue for every unresolved audit-readiness issue.

Illustrative workspace preview
HIGH

Smith Concrete · Missing Workers’ Comp evidence$14,000 in payments need documentation review

$14,000
MEDIUM

Denver Framing · COI expires in 12 daysRenewal queue is ready for vendor follow-up

12 days
LOW

Front Range Roofing · Missing W-9Coverage is supported; tax documentation is incomplete

Document
Designed around private business records.Organization-scoped access, private file storage, server-side integrations, review states for uncertain AI extraction, and Stripe-managed billing.
Security details
AUDIT READINESS GUIDES

Go deeper on the insurance audit problem Covrion is built to solve.

Explore the resource library
WORKERS’ COMP

Workers’ Comp audit readiness for subcontractor-heavy contractors

Learn how Covrion separates WC evidence from GL and reconciles subcontractor payment dates against recorded Workers’ Comp periods.

Read guide GENERAL LIABILITY

Prepare subcontractor records for a General Liability premium audit

See how payment records, GL coverage dates, COIs, renewals, and W-9s fit together before the carrier requests the file.

Read guide SOFTWARE WORKFLOW

Why audit reconciliation is different from generic COI tracking

Understand the difference between collecting certificates and proving which policy-year subcontractor dollars have supporting evidence.

Read guide AUDIT CHECKLIST

A contractor-focused insurance premium audit checklist

Build your preparation plan with an eight-step checklist. Save your place on this browser and download your progress for the next review.

Use the free interactive checklist
LAUNCH PRICING

Priced like risk prevention, not another generic CRM.

Every plan starts with a 14-day trial, then bills monthly. Start with the tier that matches the subcontractor volume you manage today.

Start free before choosing a plan.Scan up to 3 subcontractors and 8 evidence files with no card. Upgrade only when you need more capacity, audit packet export and ongoing operations.
Run free scan
Solo
$79/ month

For owner-operators and small contractors building a clean audit file.

Up to 15 active subcontractors
Unlimited evidence filesWorkers’ Comp + GL audit lensesAudit packet exportRenewal queue + activity trail
Choose Solo
Most practical
Contractor
$149/ month

For growing contractors who need continuous payment-to-coverage reconciliation.

Up to 75 active subcontractors
Unlimited evidence filesWorkers’ Comp + GL audit lensesAudit packet exportRenewal queue + activity trail
Choose Contractor
Pro
$299/ month

For higher-volume contractors managing a larger subcontractor roster.

Unlimited active subcontractors
Unlimited evidence filesWorkers’ Comp + GL audit lensesAudit packet exportPolicy history + activity export
Choose Pro
QUESTIONS BEFORE YOU IMPORT

Built to organize evidence—not pretend to be your carrier.

Does Covrion determine my final premium?

No. Covrion reconciles your records and highlights documentation gaps. Your carrier determines classifications, treatment and final premium.

Can I start without connecting QuickBooks?

Yes. Export a payment CSV and run the free risk scan first. Direct accounting connections are an expansion path, not a prerequisite.

What happens when AI cannot read a COI confidently?

The document is marked for review instead of silently being treated as recorded evidence. Source documents remain available in the private workspace.

Can I evaluate Workers’ Comp and General Liability separately?

Yes. Covrion stores the two coverage tracks separately and lets you change the active audit lens for payment reconciliation.

START WITH THE RECORDS YOU ALREADY HAVE

Your next audit should begin with a dashboard, not an inbox search.

Create Covrion account