Prototype only. Nothing here is a public launch. No data is sent anywhere.
What is it? A tracker that reads each subcontractor certificate of insurance, the ACORD 25 form, compares it with the general contractor requirements, flags gaps and expiry dates, and prepares a fix list for the issuing agent.
Who pays? Office managers and ops managers at 10 to 50 person general contractors, and small property managers, tracking 10 to 300 vendors.
What problem does it solve? A lapsed or incomplete certificate can stop a job site or leave the general contractor liable if a sub is hurt while uninsured.
What would the customer receive? Requirements set once, every certificate read and compared with the requirement shown next to the extracted value, expiry warnings 30, 14, and 7 days out, a fix list prepared for the issuing agent, follow ups until a corrected certificate lands, and every version kept as a timestamped audit packet.
Why would they buy ours? The proposed wedge is the chase and the verdict showing its work, not tracking alone. Tracking alone is already served free or cheap by others. That wedge is unproven.
What would it cost? PROPOSED pricing, not validated: $99 a month for 25 vendors, $249 a month for 100, $499 a month for 300. Free instant checker for one certificate, no account. No setup fee. No long term contract.
What evidence supports it? Three dated public buyer signals, all vendor posts, with 0 named buyers and 0 demonstrated purchase intent. See Research and evidence below. Named competitors with prices: CertifiKit at the same $99, $249, and $499, TrustLayer free to 50 vendors, BCS at $0.95 per vendor a month.
What is still unproven? Whether any general contractor will trial or pay $99 a month for the chase rather than using TrustLayer free or BCS at $0.95 a vendor. No buyer has said they will pay this price for this product. Customer acquisition cost, sales cycle, churn, and the cost of an insurance professional to review edge cases are all unknown.
What happens next? Smallest test: ask 10 small general contractors or property managers with a public channel and a named ops role to trial the $99 version. Kill criterion: kill if fewer than 5 of 10 will trial it at $99, or if no general contractor will trial it at $99 rather than TrustLayer free or BCS at $0.95 a vendor. Do not build the ACORD extractor until that test passes.
Technical maturity: Concept demonstration. This page is a static demo only. There is no extractor, no tracking, and no agent chase behind it.
Demand evidence: Public buyer signals. Three signals, 0 purchase intent. No named buyer has said they will pay.
Project decision: Concept prototype. No build decision has been made. The kill test above decides it.
Buyer signals, all vendor posts, 0 named buyers. Clozik Instagram post, 19 October 2026, instagram.com/p/Der5dsbjTNP: one lapsed certificate stopped a job site for 3 days, with idle crew and rescheduling costs. Construction Pros Insurance Services Instagram, 21 August 2026, instagram.com/reel/DcUQC_sm7p7: a sub policy expired for non-payment mid job and the general contractor carried the liability. JobNimbus roofers insurance guide, jobnimbus.com/blog/insurance-for-roofers: a missing endorsement or lapsed policy date can pull a crew off site the same morning. These show pain, not purchase. No general contractor in any of them asked for a vendor, named a price, or said they would trial this product.
Competitors, prices checked 11 November 2026. CertifiKit, certifikit.ai: free instant checker, $99 a month for 25 vendors, $249 for 100, $499 for 300, the same prices proposed here. BCS: $0.95 per vendor a month, free for 25 vendors. TrustLayer: free for up to 50 vendors, $10 per additional vendor a month. myCOI: $30 to $60 per vendor a year, 200 certificate minimum. Jones: quote only.
Owner income math, arithmetic only, not a forecast. Revenue only: 101 customers at $99, 41 at $249, 21 at $499 for $10,000 a month. After illustrative outsourced operating costs of $2,500 to $5,000 a month, $10,000 a month owner income needs 127 to 152 customers at $99 flat, or about 95 to 140 customers in a $99 and $249 mix. Costs are estimates, not quotes.
Honest limitations. Reading information on an ACORD 25 certificate is not the same as verifying insurance coverage. Actual policy status, endorsements, and contractual compliance may require additional verification, for example checking with the insurer or reading the policy and endorsements. A certificate can list a limit that does not reflect a lapsed, cancelled, or non compliant policy. This product, as proposed, would show what the certificate says and what is missing from it. It would not certify coverage. The $23,000 plus figure is an illustrative single incident from a vendor post, not a figure that applies to any particular situation, and the $69,000 to $115,000 a year figure is illustrative arithmetic on 3 to 5 such incidents, not a measured average. Reachability is unknown. There is no marketplace where general contractors search for a certificate tracker.
Every subcontractor and vendor certificate of insurance, the ACORD 25 form, checked against your requirements, tracked to expiry, and chased with the issuing agent until the fix lands. One job: no sub reaches the site gate with a lapsed certificate.
Who it is for: office managers and ops managers at 10 to 50 person general contractors, and small property managers, tracking 10 to 300 vendors.
Illustrative example only, from a vendor post, not a figure that applies to any particular situation. One incident, reported 19 October 2026: a sub COI lapses, the GC turns the crew away, 3 days lost, $10,500 in idle crew costs, over $12,500 in rescheduling, total $23,000+. Illustrative arithmetic on that one incident: a $3M contractor with 3 to 5 such stops a year would lose $69,000 to $115,000 to untracked paperwork. That yearly figure is not a measured average.
A sub can also start with valid insurance and have the policy quietly expire for non-payment 45 days later. On day 60, if someone gets hurt, the GC is liable, and the claim comes back to the GC's own general liability policy.
Reading a certificate is not verifying coverage. Information on an ACORD 25 shows what the certificate lists. Actual policy status, endorsements, and contractual compliance may require additional verification. A listed limit does not prove the policy is in force or compliant.
PROPOSED pricing, not validated. No buyer has agreed to pay these prices.
| Plan | Price | Tracked vendors |
|---|---|---|
| Starter | $99 a month | 25 |
| Growth | $249 a month | 100 |
| Pro | $499 a month | 300 |
Free instant checker for one COI, no account. No setup fee. No long term contract. Cancel any time.
$10,000 a month math, arithmetic only: 101 customers at $99, 41 at $249, 21 at $499. The $7,000 floor needs 71 at $99.
CertifiKit, verified live 11 November 2026: $99 a month for 25 vendors, $249 for 100, $499 for 300, free instant checker. BCS: $0.95 per vendor a month, free for 25 vendors. TrustLayer: free for up to 50 vendors, $10 per additional vendor a month. myCOI: $30 to $60 per vendor a year, 200-COI minimum. Jones: quote only. The enterprise tools publish no price and start with a demo.
Our price has to earn it on the chase and the verdict showing its work, not on the list alone. TrustLayer free and BCS at $0.95 a vendor already track a certificate.
ILLUSTRATIVE and FICTIONAL. This is a sample only. No real company, no real certificate, no real verdict.
Fictional sub: Fictional Electric Co. Fictional ACORD 25, received 11 November 2026.
| Coverage line | Required | On the certificate | Verdict |
|---|---|---|---|
| General liability, per occurrence | $1,000,000 | $1,000,000 | Pass |
| General liability, aggregate | $2,000,000 | $2,000,000 | Pass |
| Workers comp | Statutory | Statutory | Pass |
| Auto liability | $1,000,000 | $1,000,000 | Pass |
| Umbrella | $1,000,000 | Not listed | Fail, fix would be requested |
| Additional insured, CG 20 10 | Required | Not listed | Fail, fix would be requested |
| Waiver of subrogation | Required | Listed | Pass |
| GL expiry | After job end | 15 December 2026 | Warn, expires in 34 days |
Verdict: Not compliant. Two fixes the system would request from the issuing agent: add umbrella $1,000,000, and add additional insured CG 20 10. Nothing was sent to any agent. This is a fictional sample only. Follow-ups would run until the corrected certificate lands. Expiry warning would be set for 30, 14, and 7 days out.
Kill if fewer than 5 of 10 small GCs or property managers with a public channel and a named ops role will trial the $99 version, or if no GC will trial it at $99 rather than TrustLayer free or BCS at $0.95 a vendor. Do not build the ACORD extractor until that test passes.
Demo form only. Nothing you type here is sent, stored, or processed, and no real request was received.