Vendor compliance insights for general contractors.

State compliance · Florida · May 28, 2026

Florida subcontractor workers' comp: what every GC must collect before work starts

Florida makes you the statutory employer for any uninsured sub's injury claim. A COI or active exemption certificate is your only protection.

Florida Chapter 440 puts GCs on the hook when a sub has no coverage. What makes it tricky: subs can use an exemption certificate instead of a policy — and that certificate expires every two years. Here is what to collect and verify before mobilization.

Risk management · May 27, 2026

Workers' comp audit: what happens when you can't produce a subcontractor's COI

The auditor adds every dollar paid to an uninsured sub directly to your payroll — and reprices your premium.

When a workers' comp auditor asks for subcontractor COIs and you can't produce them, they reclassify that payroll as yours. One missing certificate on a $60K framing sub can cost $7,000 or more. Here is how it works and how to prevent it.

Product · May 7, 2026

How subcontractor COI tracking software actually works — and why it beats chasing people by email

Request. Collect. Track. That is the whole system.

A four-step walkthrough of the Send The Proof workflow — add a vendor, send a no-login upload link, track expirations automatically, and keep a full audit trail. Free for the first five vendors.

State compliance · Texas · May 6, 2026

Building data centers in Texas? Here is why subcontractor compliance is your biggest risk.

140+ projects in the pipeline. Hundreds of subs per job. One uninsured worker changes everything.

Texas has no mandatory workers' comp, no damages cap for non-subscriber subs, and real court cases to show what happens when compliance breaks down on a hyperscale build. Here is how to manage it.

State compliance · Oregon · May 5, 2026

Oregon GCs face some of the broadest subcontractor liability in the country — here is what you are actually on the hook for

Double WC premiums, CCB licensing penalties, post-Yeatts employer law, and SB 426 joint wage liability.

Oregon stacks exposure on general contractors in ways most states don't. Here is what each law means and what to verify before work starts.

Que es un certificado de seguro

COI basics in Spanish for construction teams.

Spot a fake or altered COI

Fast checks for names, dates, limits, and endorsements.

Vendor compliance for veteran GCs

A direct note on readiness, proof, and discipline.

Get subs to submit COIs

A shorter process for requests and reminders.

Expired COI risks

What a lapsed certificate can cost.

Reduce risk before work starts

Build a pre-work compliance gate.

Why subs miss COI deadlines

Remove friction from the upload process.