It's a Tuesday morning. You're on-site watching your framing crew work when you get a call from your client's attorney. One of your subs had a worker fall off a ladder yesterday. Turns out their workers' comp expired three weeks ago. Nobody noticed.
Now you're personally liable. And you're wondering how a $15,000 kitchen remodel just became a $200,000 problem.
The Compliance Gap Most GCs Don't Know They Have
Most contractors track sub insurance with spreadsheets, sticky notes, or not at all. They check the certificate when they first hire the sub and never look at it again.
The documents you need to track for every sub:
- General Liability (GL) Insurance
- Workers' Compensation (WC)
- Contractor License
- W9
Each of these has an expiration date. Each can lapse without you knowing.
The Lien Waiver Problem
If you pay a sub $50,000 for electrical work and don't get a lien waiver, they can still file a lien on your client's property. Even after they've been paid in full.
How Smart Contractors Protect Themselves
- Every sub's GL, WC, license, and W9 are tracked with expiration dates.
- Auto-reminders go out 30, 14, and 7 days before expiration.
- Payment is blocked for non-compliant subs.
- Lien waivers are auto-generated before every payment.
What Opsite Does
- Dashboard view: Every sub shows green (valid), yellow (expiring), or red (expired)
- Auto-email reminders: Subs get notified before docs expire
- Pre-payment compliance check: System verifies everything before payment approval
- Auto lien waivers: Generated automatically, signed digitally, stored instantly
- Sub portal: Zero-login portal in English and Spanish