Build a Subcontractor Compliance Tracker for General Contractors

1. 1

   Start with the COI clock, the universal pain

   Every GC must collect certificates of insurance naming them as certificate holder, with adequate coverage, from every sub, and every certificate expires. Track coverage against the GC's own requirements, alert ahead of expiry, and chase the sub automatically; enterprise COI platforms prove the model, and the mid-market gap is the opening.

2. 2

   Add public-record monitoring as the differentiator

   State license boards publish status and disciplinary changes; federal safety records are public. A monthly sweep across a GC's sub roster that flags a suspended license or a fresh serious violation is intelligence the spreadsheet can never provide, and it is distinct from consumer-facing contractor lookup tools already in this bank.

3. 3

   Keep onboarding documents in the same place

   W-9s, signed sub agreements, safety programs, and lien waivers round out the sub file; being the single source of truth for 'is this sub cleared to be on site' is what makes the tool sticky.

4. 4

   Design for the office manager, not the risk department

   At mid-size GCs, compliance is a hat worn by an office manager or PM. One dashboard, red-yellow-green per sub, and automated chasing emails; no workflow-builder complexity.

5. 5

   Price per active sub

   A monthly price scaled by active subcontractor count keeps small GCs affordable and grows with the customer; the comparison is one uncovered claim or one stop-work order, which brokers will happily articulate.

6. 6

   Distribute through construction insurance brokers

   Brokers see uncovered-claim wreckage and want clients tracking COIs properly; a broker-referral or co-branded program turns them into a sales force with aligned incentives.

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