Every construction project relies on active insurance coverage to protect against accidents, damage, and liability. But what if a subcontractor’s Certificate of Insurance (COI) quietly expires in the middle of a project? It’s more common than you think — and the consequences can be serious.
Why COI Expiration Matters
An expired COI means your subcontractor may be working without valid insurance coverage. That exposes everyone on the project to risk. Key issues include:
- Liability Risk: If an accident happens, the GC or project owner could be held responsible.
- Contract Violations: Expired COIs often breach contract terms.
- Project Delays: Work may need to pause until updated coverage is verified.
- Higher Costs: Legal fees, claims, or out-of-pocket expenses can skyrocket.
Real-World Risks of Expired COIs
Imagine an electrician’s policy lapses mid-project. If property damage or injury occurs, the general contractor and owner could both be named in a lawsuit. Even if the subcontractor renews coverage later, that lapse leaves a dangerous liability gap.
How Contractors Can Prevent COI Expirations
- Track Expiration Dates Early: Always record policy start and end dates.
- Send Reminders: Notify subcontractors at least 30 days before expiration.
- Require Updated COIs Before Work Continues: Never allow uninsured subs to remain on-site.
- Automate the Process: Use software that automatically tracks expiration dates and triggers reminders.
How ConCOI Solves This Problem
With ConCOI, you never have to worry about expiration dates slipping through the cracks. The system:
- Flags certificates expiring at 30, 15, and 7 days.
- Notifies subcontractors automatically to upload renewals.
- Keeps GCs and owners updated with real-time compliance dashboards.
Final Thoughts
An expired COI is more than an administrative error — it’s a major compliance risk. Contractors who rely on manual tracking often don’t notice expirations until it’s too late. By using an automated solution like ConCOI, you can prevent liability gaps and keep your projects running smoothly.
👉 Next Step: Protect Your Projects with Automated COI Tracking