Midnight Flow
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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 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

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 PMThe certificate lands in a shared inbox with a dozen others.
  2. Next weekSomeone files it after a glance at the limits.
  3. MondayThe 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 PMThe certificate is read, every policy and endorsement.
  2. 4:16 PMIt is checked against the Elm Street contract, and two gaps are found.
  3. 4:17 PMThe sub's agent is asked for a corrected certificate.
  4. FridayThe sub starts Monday with nothing back, so your risk owner is texted.
  5. FridayThey 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

  • 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 siteLet 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

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. ** FlowRunner pricing varies with the volume of calls and messages.

Book a call Every detail of this package

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

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

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.

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

See whether this fits your office

A 30-minute call against how you work today, or a short fit check if you would rather write than talk.

Book a call Take the fit check