An uninsured sub is charged to your workers' comp audit as if they were your employee. A certificate without the endorsements behind it confers nothing. A missing W-9 becomes backup withholding. This pack puts the whole onboarding sequence on paper and in one tracker: W-9, license check, certificate and endorsements, agreement, safety orientation, waivers with every payment.

The workbook holds one row per policy with days to expiry and a status (Current, Expiring, Expired, Missing endorsement), a documents matrix per sub, a lien waiver log by pay application with the twelve statutory-form states noted, and a payments sheet that flags 1099-NEC reporting at the $2,000 threshold that applies to payments made from 2026, exempting corporations. The Start Here guide covers certificates versus endorsements, pay-when-paid versus pay-if-paid, retainage, license verification and OSHA's multi-employer policy, with sources.