Tennessee requires GCs to keep copies of subcontractor certificates of insurance at every job site. SubPaperz automates the tracking, the reminders, and the paper trail so you're never scrambling for a certificate.
What Tennessee Law Requires
COIs required at every job site
Tennessee workers' comp law requires GCs to keep copies of subcontractor certificates of insurance on file and available at each job site. Not just collected once — kept current throughout the job.
Advance lien waivers don't hold up
Tennessee prohibits advance lien waivers — a sub can't waive their lien rights before work is complete and payment is made. GCs who try to force advance waivers risk losing their contractor license. Per-payment collection is the only way.
Lien waivers on every payment
While Tennessee doesn't require specific statutory forms, lien waivers are standard practice on every commercial and residential job. Collecting them per payment — not as blanket documents — is the right approach under state law.
W-9s before the check clears
Federal IRS requirements mean every sub you pay $600+ per year needs to have a W-9 on file. Tennessee's active construction market means your sub list can grow fast — SubPaperz collects them digitally so you're never behind.
General information only — not legal advice. Consult a Tennessee construction attorney for guidance specific to your situation.
Every Tennessee GC has been here. It doesn't have to keep happening.
Tennessee requires you to have those certificates accessible on the job. "I have it somewhere" isn't a compliance strategy.
If something happens on site after a COI lapses, the liability lands on you. A 30-day expiry alert would have prevented the whole situation.
Per-payment waiver collection sounds tedious until you automate it. Then it just happens.
Features
One login covers it all — no more juggling apps, email, and paper.
Upload certificates, track expiry dates, get email reminders 30/60 days out. SubPaperz automatically emails your subs when their COI is about to expire — you don't have to chase anyone.
All 4 waiver types — conditional/unconditional for progress and final payments. Collected per-payment, stored with a timestamped audit trail.
Send a link, your sub fills it on their phone. PDF auto-generated and stored — ready for tax time.
Template with scope, payment terms, and liability clauses. Fill in the blanks, send for e-sign.
AIA-style G702/G703 pay apps, fillable online. Track retainage and scheduled values, download clean PDFs.
Send a link, your sub signs from their phone in the field. No app download. Audit trail included.
Pricing
No per-doc fees. No surprise charges. Pay for what you need.
Pro
FREE TRIALFirst month free — then $49/mo, cancel anytime
Everything in Free, plus
Team
All plans billed monthly. Cancel anytime. Stripe handles all payments — we never store card info.
Stop manually chasing certificates. SubPaperz tracks, reminds, and stores everything so you're always compliant.
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The exact checklist Tennessee GCs use to stay protected on every project — W-9s, COIs, lien waivers, pay apps. Free PDF, no account needed.