Know before a sub's insurance or license runs out.

A certificate of insurance is a one-page summary of a subcontractor's insurance, usually on the ACORD 25 form in the US. It lists each policy, such as general liability, automobile, umbrella or excess, and workers' compensation, with its policy number, effective and expiration dates and limits, and the insurance agent who issued it. General contractors collect one from every sub before work starts and need a new one each time a policy renews.

Because the risk moves to you. If a sub's policy has lapsed and a worker is hurt or property is damaged, the claim can come back to the general contractor and its own insurance. At the yearly workers' compensation audit, insurers commonly charge the general contractor premium for the payroll of subs who could not show their own coverage. Owners and lenders also often require proof that every sub on the job is insured.

From a certificate of insurance: the insured company, the insurance agent and their email, and the expiration date of each policy listed. From a contractor license: the holder, license type, number, state and expiration date. From a lien waiver: who signed it, whether it is conditional or unconditional, progress or final, the payment period, the amount and the date signed.

30, 14 and 7 days before a document expires, the subcontractor's contact gets an email sent in your company's name, with a link to upload the renewal. You get a copy, and you can choose to copy the insurance agent named on the certificate, who usually issues the new one. Replies go to you. When the renewed document is uploaded, the reminders stop. If nothing has arrived by the expiration date, you and the sub get a notice that day.

No. Each reminder has a private upload link. Subs or their agents can also reply to the email with the PDF or send it to the project's address.

No. NoLapse only reads dates and names and sends reminders. It does not judge whether a sub's coverage meets your contract or your insurer's requirements, and it is not insurance or legal advice. Have your insurance broker review coverage.

Lien waivers don't expire, so they are tracked by payment. Each waiver is filed against its payment period. Before each payment date you set, subs whose waiver for that period is missing get a request 7 days and 3 days ahead, and on payment day you get the list of who is still missing one. It works with any state's form; it does not judge whether a form is valid in your state.

Blurred scans, handwritten changes or two possible dates go to a review list with the unclear part shown, and no reminder is set from a guess. A person enters the date or asks the sub for a clean copy.

No. NoLapse only tracks expiration dates and sends reminders. It works next to your project management software, or on its own if you don't have any. If your software already stores insurance documents, NoLapse can save your team from keeping the dates up to date by hand.

Those services review whether each certificate meets your insurance requirements, and are usually priced per vendor or by quote for larger companies. NoLapse does less on purpose: it reads dates and reminds people, for a flat $49 per project per month, so a small general contractor can stop tracking certificates in a spreadsheet.

$49 per project per month, with unlimited subcontractors and documents on that project and every PM and coordinator included. Billing stops when you close the project. Free 14-day trial.

We start with general contractors in the United States: ACORD 25 certificates, state contractor licenses and US lien waiver forms. If you work elsewhere, tell us on the waitlist form.

They are used only to track your company's documents, are encrypted in transit and at rest, and are not used to train AI models. See our security page for details.

We are onboarding the first general contractors from the waitlist. Join to get early access and help shape it.