Check Subcontractor Insurance Expiry Dates — Free Calculator for UK Contractors
Enter renewal dates for each subcontractor's EL insurance. Get a traffic-light dashboard with countdown, suggested reminder dates, and a one-click calendar export.
Enter each subcontractor's name and employers' liability insurance renewal date. Get a traffic-light dashboard with countdown timers, suggested 30/14/7-day reminder dates, and a one-click .ics export to add all reminders to Outlook, Google Calendar, or Apple Calendar.
Employers' liability insurance is a statutory requirement for any UK employer. The fine for operating without it is up to £2,500 for every day without cover. When you're managing 20 or 30 subcontractors, each with different renewal dates, keeping track of expiry dates in a spreadsheet is a recipe for gaps.
What this tool does
Enter the name and EL insurance renewal date for each subcontractor. The calculator produces a traffic-light dashboard: green (more than 30 days), amber (8–30 days), red (7 days or fewer), and expired. For each subcontractor, it suggests reminder dates at 30, 14, and 7 days before expiry — giving you time to chase renewals before cover lapses.
Why expiry tracking matters
Under the Employers' Liability (Compulsory Insurance) Act 1969, every employer must hold EL insurance with a minimum £5M cover. A subcontractor working on your site without valid insurance is committing a criminal offence — and expired insurance weakens the evidence you can show for CDM competence checks. The most common compliance gap is insurance that was valid at appointment but expired during a long-running project without anyone noticing.
Beyond manual tracking
This calculator gives you a snapshot of your current exposure. For ongoing tracking with automated email alerts — so you never need to manually check dates again — that's exactly what we're building with SubComply.
This tool is for guidance only and does not constitute legal advice. Requirements vary by project scope and applicable regulations.
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