Stop Paying Uninsured Subcontractors.
One expired subcontractor Workers’ Comp certificate triggers a $15,000–$45,000 surcharge at your annual audit. PassCOI verifies ACORD 25 + ISO endorsements in 6 seconds and holds subcontractor bills before QuickBooks until compliance clears.
- Catches fake “ADDL INSD” checkboxes missing actual ISO CG 20 10 & CG 20 37 pages
- Chases insurance brokers automatically via zero-login magic upload links
- Holds subcontractor payouts until COI + 50-state Conditional Lien Waiver are signed
Test PassCOI Free Right Now
Drop any subcontractor COI PDF — no email required for your first scan.
Inspects GL limits, Workers’ Comp expiry, CG 20 10, CG 20 37 & State Exemptions
How PassCOI Protects Your Friday Check-Run
Zero spreadsheets. Zero chasing insurance agents by phone. Setup takes under 3 minutes.
Forward Sub Invoices or COIs
Drop existing COI PDFs in bulk or auto-forward subcontractor invoices to your dedicated [email protected] address.
Auto-Hold & Chase Brokers
Non-compliant bills stay ON HOLD outside QuickBooks. PassCOI emails the sub & their insurance producer a 1-tap upload + Lien Waiver link.
Release Only Compliant Bills
The instant ACORD 25, ISO endorsements, and Conditional Progress Lien Waiver clear, export a 1-click approved Check-Run CSV for QuickBooks Online or any accounting system (direct QBO sync in rollout).
Simple Pricing. Less Than One Hour of Audit Penalties.
Instant self-serve access • Backed by our 14-Day 100% Money-Back Guarantee.
Instant 25-Subcontractor Audit Rescue Pack — $49 One-Time
No subscription required. Batch-scan up to 25 subcontractor COI PDFs today, see exact Workers’ Comp & CG 20 37 gaps, and dispatch 1-click broker fix links immediately.
COI Radar
For smaller residential builders tracking active sub renewals.
- Up to 20 active subcontractors
- ACORD 25 + ISO CG 20 10 / CG 20 37 inspection
- Automated 30 / 15 / 7-day broker expiry chases
Pay-Gate Pro
Most PopularFull subcontractor AP payment hold gate + 50-state Lien Waivers.
- Up to 75 active subcontractors
- AP Invoice Staging Inbox ([email protected])
- 50-State Conditional Progress Lien Waivers
- 1-Click Check-Run CSV Export (QuickBooks Online, Sage & Xero) + Direct QBO Beta
Commercial Scale
For multi-project GCs & commercial property portfolios.
- Up to 250 active subcontractors
- Everything in Pay-Gate Pro
- Non-Admitted Surplus Lines (E&S) exclusion alerts
- Priority flagged endorsement review queue
Straight Answers Before You Start
Why doesn’t QuickBooks Online stop uninsured subcontractor payouts on its own? +
QuickBooks Online only lets you type an expiration date on a Vendor profile — it never reads attached ISO CG 20 10 / CG 20 37 Additional Insured endorsements, never verifies State Workers’ Comp Exemptions, and does not hold bills out of your AP check-run. PassCOI stages subcontractor invoices outside QuickBooks until compliance is 100% verified.
Will my subcontractors or their insurance agents hate using this? +
No — there is zero app download and zero password registration for your subs or brokers. They tap one magic link from their email or phone, drop the PDF, and type their name to e-sign the Conditional Progress Lien Waiver in under 25 seconds.
How do State Workers’ Comp Exemptions (FL, TX, CA, NY) work? +
PassCOI recognizes solo-owner State Workers’ Comp Exemption Certificates, tracks their state expiration date, and prompts your PM/bookkeeper to confirm zero helpers were on site before releasing payment — closing the #1 solo-exemption audit trap.
What if we use Sage, Xero, Buildertrend, or manual check runs instead of QuickBooks? +
Every workspace includes 1-click Approved Check-Run CSV Export alongside native QuickBooks Online sync, so you can use PassCOI immediately with any accounting workflow.
How does the 14-Day 100% Money-Back Guarantee work? +
If PassCOI doesn’t catch compliance gaps or save hours on your very first check-run within 14 days, email [email protected] for a full, prompt 100% refund — no hoops.