Subcontractor Certificate of Insurance Expiration Tracker
Why This is an Opportunity
This is a compliance-critical workflow that's been stuck in spreadsheet hell for decades. The fix is a simple database app: enter subcontractors, upload their COI documents, parse key dates (expiration, coverage amounts), and set automated email reminders 30/60/90 days before expiration. Add a per-project view showing which subs are compliant and which are expired or under-covered. The data model is straightforward — subs, certificates, projects, requirements — and automated Resend emails handle the reminder logic. No complex integrations needed.
Key Pain Points
- •COI expiration dates are tracked in spreadsheets that only one office manager understands, creating a single point of failure
- •When a certificate expires mid-project, nobody notices until a site audit or incident occurs
- •Each project owner or client has different minimum coverage requirements, making manual verification error-prone
- •Chasing subcontractors for updated certificates involves dozens of emails and phone calls per month
- •No consolidated view exists showing which subs across all active projects have current, compliant insurance
Original Discovery
General contractors and construction project managers are required to collect and verify Certificates of Insurance (COIs) from every subcontractor before they set foot on a job site. These certificates expire at different times, cover different liability thresholds, and each project may have unique insurance requirements from the property owner. Right now, most GCs manage this with a filing cabinet or a spreadsheet that someone remembers to check occasionally — until an uninsured sub shows up and work stops.
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