Catch Lapsed Subcontractor Insurance Before It Costs You — Free
Paste every subcontractor's certificate expiry and project dates, and read which contractor is uninsured on the days they are on site.
The proof surface
Certificates are usually collected once and filed. The docket asks the only question that matters: is this trade insured on the days they are here.
Why the flat version breaks
Certificates as paperwork
A certificate with three weeks left looks fine in a folder and is worthless for a trade that starts in four weeks.
Cover that ends mid-project
Annual policies renew mid-programme, so the lapse usually happens in month seven rather than at mobilisation.
Unsigned extensions
Brokers often send a renewal schedule that has not been issued; only the certificate itself carries an expiry the site can rely on.
How to work the expiry docket
Certificate expiry and the on-site window from the programme, one trade per line.
Your own cut-off before mobilisation, in days.
Entries past expiry on site days are stamped, with the days of exposure counted beside them.
Send the chase list to each trade's broker contact three days ahead of the start date.
What the docket replaces
| Question | Before | With the docket |
|---|---|---|
| Is anyone uninsured | check each certificate one by one | exposure days printed per entry |
| When to chase | when someone remembers | window set before the start date |
| What is at stake | the certificate looks fine | exposure priced against the contract value |
A missing certificate is shown as its own line, because 'not received' is a different risk from 'expired'.
Run it on the samples, right here
FIRST-LOAD
Data note: Everything runs in this browser tab on the expiry docket: your certificate dates and site programme stays on this device, nothing is uploaded, and the reading is rebuilt only when you press run.
Go deeper: the companion app files the same reading as a clerk's docket sheet
The article demo above runs without limits. The companion app keeps a local history, exports the rows as CSV, prints the ready-to-mail packet, and holds your drafts on this device — one free run, then $ 12 one-time for the layer that keeps filing.
The docket and the exposure days are free. The paid layer keeps the register across projects and prints the chase list before each start.
Open the insurance expiry docket companionBoundary
This expiry docket works only on the certificate dates and project dates you paste you paste. It does not verify a certificate with an insurer, does not judge whether cover is adequate, and does not form a contract between parties. The figures describe what you supplied, not what is true in the world. Confirm anything you plan to act on with your insurer or broker before a trade mobilises before you rely on it.
What this is built on
- Every figure comes from the certificate dates and project dates you paste you paste; nothing is looked up, scraped or asserted as verified.
- Method: exposure = days on site after the certificate expiry date, counted per trade against the project programme
- Sample values are labelled samples — illustrative by design, not your data and not a quotation of any organisation's policy.
Before: the reader filed certificates in a folder. After: they can see a bricklaying sub lapsed nine days before their start date.