Free for Maryland contractors
A free account that puts a dollar range on your audit exposure, tracks every subcontractor’s certificate, and keeps your renewal on a 90/60/30 schedule. So the year-end audit trues up to a number you already knew.
Your account, less than 60 seconds after you sign up.
No password, no credit card. You’ll be inside in about a minute.
Your account, less than 60 seconds after you sign up.
Workers’ comp starts as an estimate. At year-end an auditor trues it up against what you actually paid — and every dollar that went to a sub without a current certificate on file gets reclassified as your payroll, at your class rate, in one lump-sum bill.
The auditor doesn’t ask whether the sub was insured. They ask whether you can prove it. The Kit keeps the proof — and the dates — in one place.
Sub COI Tracker
Add each sub you 1099. Snap a photo of the certificate or upload the PDF, type the expiration dates, and the tracker does the remembering: “Current” turns to “Expires in 12 days” turns to “Expired” — and a sub with no cert on file is flagged just as loudly, because at audit time no paperwork and no coverage are the same thing.
Renewal Calendar
One date off your dec page and the calendar builds itself: a quiet season, a 90-day records window, a 60-day shopping window, a 30-day decision window — each with its own checklist, every item in the window where it still helps. Email reminders at 90, 60, and 30 days, dated off your policy, not ours.
Chargeback Risk Score
Six questions about last year — sub spend, cert coverage, what your subs supply — and you get a dollar range for what an audit could add, plus the biggest drivers behind the number and every assumption we made to get there. About 90 seconds, no dec page required.
On paper, where audits happen
Both live in your account, sized to a letter page. Print them, tape them up.
The ten field codes Maryland auditors reach for, the five pairs they mix up most, and the four rules that decide whether your payroll gets split — or dumped into the expensive code.
The eleven documents auditors ask for, in the order they ask. Work down it the week before, and audit day is an appointment instead of an ambush.
Book an optional 15-minute phone review with a licensed Maryland agent from inside your account. It’s educational — you talk through your exposure, nobody pitches you a policy, and at fifteen minutes it ends.
Common Questions
Yes — the account and all six items, no credit card, nothing to cancel. Collateral partners with licensed Maryland agents; if you ever want insurance quotes, you can ask for them. That's the business model, and it only works if the Kit is genuinely useful on its own.
No. Nobody calls unless you book the optional 15-minute review, and even that call is educational — quotes only happen if you ask for them.
You're signed in instantly — no password, no confirmation email for a new account. Your Kit opens with every tool live; most people add their first sub or their renewal date in the first minute.
A spreadsheet doesn't email you when a certificate has 12 days left, and it doesn't notice that a renewal covering only workers' comp left the general liability date lapsed. The tracker does both.
The trackers work anywhere, but the cheat sheet, the estimator's rates, and the review are built on Maryland rules. Outside Maryland, treat the numbers as directional.
If the Kit shows you a problem and you ask for quotes, a licensed Maryland partner agent gets a shot at your business. If you never ask, you keep the Kit anyway.
Free Account
Two fields, and every tool is live and built around your business.
Collateral is not an insurance company, agency, or licensed insurance producer. We do not sell, solicit, or negotiate insurance. We connect business owners with independent licensed insurance agents in their area. All licensed activity — including the 15-Minute Audit Exposure Review, any discussion of coverage, and any quote you request — is performed by the licensed Maryland agent, not by Collateral. Collateral does not provide insurance advice or recommendations regarding specific coverage, carriers, premiums, or policy terms.
The Chargeback Risk Score and the other items in the Kit are general educational tools built from figures you supply. They are not insurance advice, not a quote, and not a prediction of what any audit will find. Your actual audit result depends on your records, your carrier's audit process, and rules that are outside our control.
Maryland employers with one or more employees are generally required to carry workers' compensation, and construction trades get comparatively little leeway on it. Requirements change and depend on your specific situation — confirm the details with a licensed agent before you act on anything here.
The review is educational. Nothing in the Kit is contingent on buying a policy or on requesting a quote.