--- title: "Every subcontractor's insurance certificate checked against the contract, gaps chased with their agent, and you asked before an uncovered sub starts" description: "A fixed-price automation for general contractors that requests subcontractor insurance certificates, reads each ACORD form, checks limits and endorsements against the contract's requirements, chases the sub's agent for corrections, tracks expirations, and asks you before a sub without the required coverage starts work." url: https://midnightflow.ai/packages/subcontractor-insurance-certificates date_modified: 2026-10-27T15:15:30-07:00 --- [General contractors](https://midnightflow.ai/for/general-contractors) # Every sub's insurance checked before they set foot on site. Certificates are requested from every sub, read as they arrive, checked against that contract's requirements, chased with the sub's agent when something is missing, tracked until renewal, and you are texted before a sub starts below your minimum. One-time build From $7,500 Live in 3 weeks\* Your time About 3.5 hours 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.package-hero) See what you get \* The timeline may need to be adjusted depending on the requirements we receive. \*\* FlowRunner pricing varies with the volume of calls and messages. [See it in action, step by step](https://midnightflow.ai/for/general-contractors) 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. ## 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. ## How it runs One real example, start to finish. - Runs on its own - A person on your team decides 1. Certificate arrives A sub's insurance agent emails a certificate at 4:15 p.m. 2. Checked against the contract Every limit and endorsement is compared with the Elm Street requirements. 3. Agent asked The sub's agent gets a request for a corrected certificate the same minute. 4. You decide before Monday A person decides Nothing is back and the sub starts Monday, so your risk owner decides. 5. Tracked until renewal When the corrected certificate arrives, the sub is cleared and its renewal is tracked. What changes for your team Your coordinators stop reading every certificate against the contract and stop emailing agents for corrections. They stop keeping expiration dates in a spreadsheet and hoping someone looks at it. They still see every gap that matters before a sub starts, laid out with the contract's requirement beside it, and their job is to decide, not to read. Missing endorsements get fixed before work starts, and lapsed policies get caught the day they lapse. ## You stay in charge. The routine runs on its own. At these moments it stops, asks a person, and waits for the answer. - A sub is due on site below your minimum coverage, or without a corrected certificate. Text or Slack to your risk owner, to hold them or let them start - A policy lapses in the middle of a job. Text to your risk owner and the project manager - A certificate cannot be matched to a sub or a contract. Text or Slack to your project coordinator ### You set the rules, and can change them any time - The requirements for each project or trade: limits, additional insured, waiver of subrogation, and primary and noncontributory wording. - Your minimum coverage, and whether a sub below it can start with your approval. - Who decides what, by project, trade, or contract value. - How often the agent is chased, and when you are told a correction is overdue. - How far ahead renewals are requested. - What the weekly summary lists, and who gets it. ## Your part is small. 3.5 hours of your team's time 3 weeks\* to live \* The timeline may need to be adjusted depending on the requirements we receive. **We build, connect, and test** _Midnight Flow_ **Inbox login** _Risk or project coordinator, 15 min_ Week 1, day 1 **Sub list access** _Project coordinator, 15 min_ Week 1, day 1 **Accounts setup call** _Owner or CFO, 45 min_ Week 1, day 1 **Your requirements and certificates** _Risk owner, 1 hour_ Week 1, day 3 **Test run review** _Risk owner or CFO, 1 hour_ Week 3, day 15 Project start Monday, November 2 Going live Monday, November 23\* An estimate, if we start next Monday. Want to start Monday, November 2? [Book a call](https://calendly.com/flowrunner/30min?utm_source=midnightflow.ai&utm_medium=site&utm_campaign=general-contractors&utm_content=subcontractor-insurance-certificates.package-estimate) ### What can move the date - Requirements that live in contract documents rather than a table, which we build with you first. - A project management system we have not connected to before. - More than one company or insurance program, such as an OCIP or CCIP. - Your team's time to review the test run and approve go-live. ## 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. ## The details ### Included - A certificate request sent to every sub on a new contract, with the requirements spelled out for their agent, and one follow-up. - Every certificate picked up as it arrives, as an ACORD 25 or any carrier's own format, by email or upload. - Each certificate read, including the insured, every policy, its limits, its dates, and whether you are named as additional insured, with waiver of subrogation and primary and noncontributory wording. - Each certificate checked against the requirements for that sub's contract, from a table you control by project or trade. - Missing endorsements, short limits, and wrong names requested from the sub's insurance agent automatically, with follow-ups until the corrected certificate arrives. - A text or Slack message to your risk owner when a sub is due on site below your minimum or without a corrected certificate, to hold them or let them start. - Expiration dates tracked for every policy, with renewal requests 30 days before and a text to you if a policy lapses mid-job. - Each sub's status kept current in Procore or the spreadsheet where you track subs. - A weekly summary of every sub's status by project, with anything open at the top. - A test run on certificates from your current projects before go-live, and a walkthrough for your team. ### Not included - Setting your insurance requirements. We put the requirements you have into the table; your broker or counsel sets them. - Reading full policies or endorsement forms for coverage opinions. - Subcontractor prequalification beyond insurance, such as safety records and financials. - Owner-controlled and contractor-controlled insurance programs (OCIP and CCIP) administration. - Changes to your project management setup beyond reading subs and updating their status. - Your FlowRunner subscription and AI model usage, which are billed separately. - Ongoing changes after launch, which are covered by the care plan or priced per change. ## After launch, we keep it running. ### On our care plan We monitor it, fix it, and make your changes, with a named contact. Your team does nothing. $300 a month, unlimited changes, cancel any month ### Or run it yourselves We hand it over and train your team on what it does and what to do if something looks off. Changes later: $75 an hour It keeps running. Your automation lives in a FlowRunner account in your business's name, so it never depends on us, and we hand everything over to you or whoever you choose. ## 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.package-price) ## Frequently asked questions ### Does anything get accepted without someone checking it? Certificates that meet every requirement in the sub's contract are accepted automatically, the way your coordinator would accept them, and every one is listed in the weekly summary. Anything that falls short is chased with the agent, and you are asked before that sub starts. ### Do subs or their agents need to do anything differently? No. Agents email certificates the way they do today. The request they get from you simply spells out what the contract requires, which makes a correct certificate more likely the first time. ### What about lien waivers? That is a [separate package](https://midnightflow.ai/packages/lien-waiver-swaps) that pairs with this one. It collects the conditional waiver before each payment and the unconditional waiver after, and holds a payment when a waiver is missing. 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. --- Markdown version of https://midnightflow.ai/packages/subcontractor-insurance-certificates. Site index: https://midnightflow.ai/llms.txt