"COI status: how a sub's coverage is read"

Why the section leads with coverage

An uninsured sub who gets hurt on your job, or does damage on it, turns into your claim. That is why every surface in the Subcontractors section carries a coverage read before anything else: the hero pill, the color on every roster tile, the COI Current and Missing COI views, and the Compliance tab on each sub's card all answer the same question, is this sub covered right now, and if not, how bad is it.

How the status is derived

A sub's compliance status is not a field anyone types. It is derived from the certificates on file for that sub, their certificate of insurance, workers comp, and any licenses tracked for them, rolled up with a strict worst-first rule:

1. 1No certificates on file at all reads as No COI on file. Verinode has nothing to judge coverage by, which on any sub with billed work is itself the problem.
2. 2Any certificate expired reads as COI expired, no matter what else is current. One lapsed policy is a live exposure; a valid license next to it does not soften that.
3. 3Otherwise, any certificate expiring soon reads as COI expiring. A certificate counts as expiring soon inside 90 days of its expiry date, which is deliberately early: chasing a sub for renewed paperwork takes weeks, not days.
4. 4Otherwise the sub reads COI current.

Alongside the status, Verinode tracks the soonest expiry date across everything on file for that sub. That single date is the renewal read: it is the "exp" date shown next to a flagged sub, and it is what orders the coverage views, so the sub whose paperwork lapses first is always listed first, regardless of who bills more.

Where the status shows up

On the Subcontractors home, the hero carries the roll-up as a pill: "2 COI expired" in red when anything has lapsed, "3 COI expiring" when renewals are coming due, "All COIs current" when the bench is clean. Every roster tile is tinted by its sub's status, green for current, yellow for expiring, red for expired, and gray for nothing on file. The COI Current Explore view shows the share of subs with current coverage as a ring, with every expiring or expired sub listed beneath, soonest expiry first. The Missing COI view lists the subs with nothing on file at all, ranked by how much work they bill, because the uncovered sub with $30,000 of your work is a different problem than one you used once.

The Compliance tab on a sub's card

Open any sub and the Compliance tab holds the paper trail: each certificate on file as its own row, with what it is, its current status, its expiry date, and a "verified" mark when the document behind it has been checked. Expired rows read red and expiring rows yellow, matching everywhere else.

The tab also carries the sub's W-9 flag, whether one is on file and when it landed, which is what the 1099 view in the analysis checks for subs paid past the $600 reporting floor. One toggle, worth setting the day the form arrives.

Getting a COI on file, in one tap

When the tab is empty it says exactly what to do: "No certificate of insurance or license on file. Request one from the Certifications section so this sub can send a COI in one tap." That hand-off is the fastest way to close a gap. From Certifications you add the sub with their email, and Verinode sends them a personal upload link; they photograph or attach their certificate, and it lands on their card here, no account needed on their side. The full flow, including verification, is covered in subcontractor verification.

Data sources