Automated subcontractor compliance and COI tracking for construction firms

This is the daily reality at every GC firm in America. Subcontractor compliance - tracking Certificates of Insurance, licenses, lien waivers, W-9s - is managed on spreadsheets. Someone manually checks expiration dates, sends reminder emails, follows up, nags, and prays nothing slips through. When something does slip, the GC is exposed to massive liability on an active jobsite with an uninsured sub.

The enterprise solutions exist - Procore has a compliance module, myCOI costs $500+/mo, TradeTapp requires the sub to register. But for a 10-50 person GC firm running 5-15 projects, these are overkill. They just need: upload the COI, parse the expiration dates automatically, get alerts 30/14/7 days before expiry, and auto-send the sub a reminder email requesting an updated cert.

Build a focused web app. GC uploads a COI PDF or photo. AI/OCR extracts: insurer, policy number, coverage amounts, expiration dates, named insured, additional insured status. System tracks all subs across all projects. Dashboard shows: green (current), yellow (expiring soon), red (expired). Automated email sequences chase the sub for renewals - the PM never touches it.

Price at $99/mo for up to 50 subs, $199/mo for unlimited. The ROI pitch: one uninsured incident on a jobsite can cost $500K-$5M in liability. The tool pays for itself by preventing a single lapse.

At 2,000 GC firms averaging $150/mo, that's $3.6M ARR. Expand to commercial real estate (landlords tracking tenant insurance), staffing agencies (tracking worker comp certs), and event venues (vendor insurance).