How it works
Sign the sub. CC us.
Go back to building.
From the moment a subcontract is signed, we collect the certificates, verify the coverage against your contract, chase what's missing, and report back weekly. You don't log in to anything.
What you do
Three things. Then you're done.
Send us your sub list and project list once.
That's the whole onboarding. We build the roster and start from your active projects.
CC service@midpointverified.com on every executed subcontract.
When in doubt, send it. The signed agreement is what triggers everything we do.
Read one weekly email.
A short status report every week: which subs are verified, whose coverage expires soon, who still owes us a document, and anything that needs your call.
What we do
Step 1 of 5
Pull the requirements from your agreement.
Every executed subcontract sets the insurance requirements for that sub on that project. Change the contract and the requirements change with it.
Subcontract
- General liability of $1,000,000 per occurrence
- Auto liability of $1,000,000 combined single limit
- Workers' compensation per statute
Requirements
- General liability$1M / occurrence
- Auto liability$1M CSL
- Workers' compStatutory
Change the contract and the requirements change with it.
Step 2 of 5
Contact the sub and their agent.
We request certificates and endorsements directly from the subcontractor and the agent who wrote the policy, so your team stops chasing.
Documents requested
North Ridge, Lot 14
0/6received
Sent to each subcontractor and the agent who wrote their policy.
Step 3 of 5
Verify the coverage, not the certificate.
Limits, additional insured, primary and non-contributory, waivers, and the endorsement forms behind them. A line in the description-of-operations box doesn't count. The form does.
Redrock Drywall
Drywall · North Ridge, Lot 14
Checked against the contract
0/5
Reading the certificate and the endorsement forms behind it.
Step 4 of 5
Chase gaps and renewals.
Automated follow-ups to the sub and the agent, warnings ahead of every expiration, and escalation to you only when repeated outreach hasn't worked.
Today
Verified
Coverage in force. Nothing to do.
Drag the handle, or use the arrow keys.
Step 5 of 5
Report weekly. Monitor for years.
Every week you get one short email listing each trade partner and where they stand: verified, expiring soon, missing a document, or waiting on a decision from you. Nothing to log into. And it doesn't stop when the project does: we keep tracking every sub's coverage for two years after completion, because claims arrive late.
Your weekly status email
Week 1
Project compliance
North Ridge, Lot 14
Cave Creek, AZ
1/6
subs verified
Onboarding. Requests out to every sub on the roster.
What you get back
Visibility without the busywork.
One weekly status email
A plain-English list of every trade partner: who's verified, whose coverage expires soon, who still owes us a document, and which items need a decision from you. It takes two minutes to read and there's nothing to log into.
- Verified
- 24 trade partners
- Expiring in 30 days
- 3
- Missing a document
- 2, being chased
- Needs your decision
- 1
Example, one week
Records filed by project
Every certificate and endorsement for every sub, ready the day an auditor or a carrier asks.
A portal, if you want it
Log in any time for a real-time view. You won't need to. The work doesn't depend on it.
When a sub won't respond
We chase. You decide.
We contact the sub and their agent repeatedly. After roughly thirty days without resolution, or fifteen days past an expiration, that trade partner shows up in your weekly status email with what's missing, every attempt we've made to get it, and a recommended next step. The decision stays yours.
From your weekly email
Pick one to see what happens. You can change your mind.
When a claim comes
Insurance responds to paperwork, not intentions.
A $6M custom home flooded. The claim came to roughly $300K, including the owner's mortgage while the house was unlivable. Because the signed subcontract and the verified coverage were already in place, the claim was tendered correctly and covered in full.
Questions builders ask
Before you hand it off
Do I have to use a portal?
No. You CC us on agreements and read a weekly email. A portal exists for a real-time view whenever you want one, but nothing depends on you logging in.
Will my subs actually respond?
We contact the subcontractor and the agent who wrote their policy, follow up automatically, and escalate to you only after repeated outreach hasn't worked. Most respond in the first cycle because the request comes with the exact requirements from their own signed agreement.
Are you replacing my staff?
We take the chasing and the document review. Your team keeps the decisions and gets its time back for the build.
What about projects already underway?
Send the executed agreements you have. Active projects go into monitoring immediately, and we work through the backlog as documents come in.
What happens after a project ends?
Monitoring continues for two years after completion. Claims arrive late, and the coverage that was in force on the day of the work is what matters.
What does it cost?
It depends on how many trade partners and active projects you run. Tell us about your projects and we'll give you a number on the first call.
Ready to stop thinking about insurance?
Tell us about your projects and trade partners. We'll walk you through how the handoff works.
Contact usWe reply within one business day.