--- title: "Automations for general contractors" description: "Fixed-price automations for general contractors. Subcontractor insurance certificates requested, read, and checked against each contract's requirements, missing additional insured and short limits chased with the sub's agent, renewals tracked, and lien waivers collected with every payment." url: https://midnightflow.ai/for/general-contractors date_modified: 2026-10-27T15:15:30-07:00 --- # Every sub's insurance checked before they set foot on site. Certificates arrive in a pile, often missing the additional insured endorsement or expiring mid-job. The automation reads each one against the contract, chases the sub's agent for what is missing, tracks every renewal, and texts you before a sub starts without the coverage you require. We set it all up, connected to how you track subs. One-time build From $7,500 Live in 3 weeks\* After launch We keep it running Runs on FlowRunner $45/month\*\* [Book a call](https://calendly.com/flowrunner/30min?utm_source=midnightflow.ai&utm_medium=site&utm_campaign=general-contractors&utm_content=subcontractor-insurance-certificates.showcase-hero) See how it works \* The timeline may need to be adjusted depending on the requirements we receive. \*\* FlowRunner pricing varies with the volume of calls and messages. A certificate tracking vendor reports 70% of certificates are non-compliant when first received (vendor figure). [Source: myCOI](https://mycoitracking.com/do-you-know-your-certificate-of-insurance-compliance-you-should/) Live demo Try it on your own phone. Play the risk owner at a general contractor. Set your minimum coverage, send a sub's certificate, and the text comes to your phone. 1. Set your minimum coverage 2. Add your mobile number 3. Send the certificate, and watch your phone About two minutes. Have your phone handy. ## A sub's certificate arrives at 4:15 p.m. Here's what happens next. ### Without automation Monday the sub starts without covering you Nobody noticed the missing endorsement. 1. 4:15 PM The certificate lands in a shared inbox with a dozen others. 2. Next week Someone files it after a glance at the limits. 3. Monday The sub starts work without naming you as additional insured. ### With automation 2 minutes to check it against the contract You decided before they started. 1. 4:15 PM The certificate is read, every policy and endorsement. 2. 4:16 PM It is checked against the Elm Street contract, and two gaps are found. 3. 4:17 PM The sub's agent is asked for a corrected certificate. 4. Friday The sub starts Monday with nothing back, so your risk owner is texted. 5. Friday They hold the sub until the corrected certificate arrives. ## You decide before an uncovered sub starts. 1. ### 23 certificates arrived this week. ACORD forms from every sub's agent, each to be checked against a different contract. 2. ### Every certificate checked against its contract. Certificates that meet every requirement are accepted. A missing waiver was requested from the agent, and a renewal was asked for ahead of time. 3. ### 1 sub starts Monday without the coverage you require. Ridge Electric is under your $2,000,000 minimum and doesn't name you as additional insured. Their agent has been asked to fix both. 4. ### You decide from your phone. Your risk owner sees the limits, what is missing, and the start date, then holds them or lets them start. It always asks before: - Letting a sub start below your minimum - Letting a sub start before a corrected certificate arrives - Any policy that lapses mid-job Certificates this week From your certificates inbox Showing 5 of 23 certificates Reading, checking, and chasing are automated Waiting for your risk owner Waiting for your risk owner - Lone Oak Concrete Elm Street job, meets every requirement Starts Thu New Accepted - Ridge Electric Elm Street job, under your minimum, no additional insured Starts Mon New Chased Your OK - Bluebonnet Drywall Main Street job, meets every requirement Starts Tue New Accepted - Mesquite Mechanical Main Street job, waiver of subrogation missing Starts Nov 30 New Agent asked - Hill Country Roofing Elm Street job, expires in 25 days On site New Renewal asked Your risk owner's phone Summit Builders insurance alerts Automated texts 1. 3:10 PM Automated Ridge Electric, Elm Street job General liability: $1,000,000 Your minimum: $2,000,000 Additional insured: missing Ridge Electric starts Monday on the Elm Street job. Their certificate is under your minimum and doesn't name you as additional insured. Their agent has been asked for a corrected one. Hold them off site Let them start 2. 3:12 PM Done. Ridge Electric is marked not cleared to start, the project manager knows, and you'll get a text when the corrected certificate arrives. Example: the text your risk owner gets before a sub starts. ## What you get - ### Certificates requested Every sub gets a request that spells out what their contract requires. - ### Every certificate read ACORD forms and carriers' own formats, every policy and endorsement. - ### Checked against the contract Limits, additional insured, and waivers, by project or trade. - ### Agents chased Missing endorsements and short limits requested until fixed. - ### You decide before they start A sub below your minimum comes to your phone first. - ### Renewals tracked Renewal requests 30 days ahead, and a text if a policy lapses. - ### Kept running for you On the care plan, we monitor it, fix it, and make your changes. - ### Tested before launch We run it on certificates from your current projects. ## Works with what you already use - Gmail - Outlook - Procore - Google Sheets - Text messages - Slack Product names and logos are trademarks of their owners. Midnight Flow is not affiliated with or endorsed by them. ## From $7,500 One-time build. Live in 3 weeks\*. We keep it running. \* The timeline may need to be adjusted depending on the requirements we receive. Our price covers the build: setup in your accounts, tuning on your own past data, and training your team. FlowRunner runs it from there. [How we work](https://midnightflow.ai/how-it-works) Extras that apply: your FlowRunner subscription, $45/month\*\*, billed by FlowRunner, and your AI model usage, billed by your AI provider. Neither is included in our price. We set both accounts up for you. See [FlowRunner pricing](https://flowrunner.ai/pricing). \*\* FlowRunner pricing varies with the volume of calls and messages. [Book a call](https://calendly.com/flowrunner/30min?utm_source=midnightflow.ai&utm_medium=site&utm_campaign=general-contractors&utm_content=subcontractor-insurance-certificates.showcase-price) [Every detail of this package](https://midnightflow.ai/packages/subcontractor-insurance-certificates) Live demo ## Try it as the risk owner. Texting your phone Preview: these texts are simulated on this page. The live demo sends them to your phone. Summit Builders insurance alerts 1. Alerts from your certificate automation ### What's happening ### That was the automation. The certificate was read, checked against the contract, and the missing endorsement chased with the agent, and you were asked only when a sub would start without the coverage you require. Your version uses your contracts' requirements and works where you track subs. We set it up in about three weeks. [Book a call](https://calendly.com/flowrunner/30min?utm_source=midnightflow.ai&utm_medium=site&utm_campaign=general-contractors&utm_content=subcontractor-insurance-certificates.live-demo) ### Check your phone! The certificate is being checked now. Your text arrives in about 10 seconds, and this page shows each check as it happens. ## More for general contractors Each runs on its own, and they share connections when you add more. ### [A lien waiver collected for every payment, conditional before and unconditional after, and the payment held when one is missing](https://midnightflow.ai/packages/lien-waiver-swaps) Before each sub or supplier payment, the conditional waiver is requested, read, and checked; after the payment clears, the unconditional waiver is requested; and a payment without its waiver is held until you decide. Price From $7,500 Live in 3 weeks\* \* The timeline may need to be adjusted depending on the requirements we receive. ### [A process we do not list yet, scoped after one call](https://midnightflow.ai/packages/custom) If your process is not on the menu, we scope it on a call and quote a fixed price before any work starts. Price Quoted after one call Live in Set in the quote ## Frequently asked questions ### Why not just use ChatGPT or Claude for this? A chat assistant reads a certificate when you paste it in. This runs on its own when a certificate lands at 4:15 p.m. It reads the ACORD form, checks every limit and endorsement against that sub's contract, asks the sub's agent for a corrected certificate, tracks every expiration date, and texts you only when a sub would start without the coverage you require. ### We already store certificates in a tracking tool. What does this add? Storing certificates is the easy part. The work is reading each one against the contract, noticing that additional insured is missing, chasing the agent until the corrected certificate arrives, and asking for renewals before they lapse. This does that work and brings you only the decisions. ### Every contract has different requirements. Will it cope? Yes. The requirements live in a table you control: limits, additional insured, waiver of subrogation, and primary and noncontributory wording, by project or by trade. Each certificate is checked against the row for that sub's contract. ### Who looks after it once it is live? We can. On the care plan, we monitor it, fix it, and make your changes, so your team does nothing. If you would rather run it yourselves, we hand it over. Either way it lives in a FlowRunner account in your company's name, so it never depends on us. ### We use Procore. Will this work with it? Yes. We connect to Procore, or to the spreadsheet or system where you track subs today, along with your inbox, DocuSign for waivers, and your team's phones or Slack. ### What else will I pay for besides your fee? Two extras apply to every package. Your FlowRunner subscription is billed monthly by FlowRunner, and your AI model usage is billed by your AI provider. We set both accounts up as part of the build. See [FlowRunner pricing](https://flowrunner.ai/pricing). ## Fit check Tell us about your office and the process you would hand off first. We tell you whether it fits, what it would cost, and how soon it could be live. - About two minutes to fill in - Pick a call time the moment you send it - A fixed price before any work starts Rather talk it through? [Book a call](https://calendly.com/flowrunner/30min?utm_source=midnightflow.ai&utm_medium=site&utm_campaign=general&utm_content=fit-check-success) ### Thanks. We have your answers. A copy is on its way to your inbox. Pick a time for a 30-minute call, and we will have read your answers before we talk. [Book a call](https://calendly.com/flowrunner/30min?utm_source=midnightflow.ai&utm_medium=site&utm_campaign=general&utm_content=fit-check-success) --- Markdown version of https://midnightflow.ai/for/general-contractors. Site index: https://midnightflow.ai/llms.txt