One expired COI in your binder is a six-figure liability

Your subcontractor compliance lives in a binder and a spreadsheet that's never quite current. Most of the time it's fine. Then a sub's workers' comp policy lapses mid-job, someone gets hurt, and the claim defaults to your policy — because nobody saw the expiration date go by.

The gap you can't see

The dangerous lapses aren't the renewals you can plan for. They're the mid-term cancellations — industry data puts them around 8% of sub policies — that a spreadsheet has no way to catch. A manual review finds them quarterly at best. Meanwhile that sub is on your active job, working under coverage that no longer exists, and your insurer is fully within its rights to deny.

What's actually being tracked

• Certificates of insurance, with real expiration dates
• Lien waivers tied to each payment
• W-9s, licenses, and bonds across every sub on the roster

Fewer than half of contractors have a system that simply tells them when a certificate expires. The rest are chasing renewals by phone and hoping nothing slipped.

Manual COI tracking isn't just slow. It's a business risk you can't afford to find out about after the claim.

Turn the binder into a system that warns you

You need one view of every sub's documents with reminders that fire before something expires — not a quarterly scramble. That's a tight, buildable tool shaped to your requirements. APLINO's fractional C-suite team makes it real: a Blueprint of how your compliance process should run, an MVP your office uses in weeks, and ongoing engineering as your sub roster grows — focused on the exact risk that keeps you up at night.