# PassCOI — Complete Technical & Commercial Reference

Organization: CodePaths, LLC
Website: https://passcoi.com
Workspace Portal: https://app.passcoi.com
Support: compliance@passcoi.com

## 1. The US Subcontractor Audit Problem PassCOI Solves
When a US General Contractor, Custom Home Builder, or Property Manager pays a subcontractor whose Workers' Compensation or Commercial General Liability policy was expired or missing during the job, the hiring contractor's insurance auditor reclassifies 100% of payments made to that subcontractor as uninsured payroll. At typical construction class rates (8% to 18%+), a single $120,000 framing or roofing subcontract triggers $10,000 to $22,000+ in unexpected annual insurance audit back-bills.

Furthermore, checking the "ADDL INSD" checkbox on Page 1 of an ACORD 25 Certificate of Insurance confers zero legal coverage unless actual ISO Additional Insured endorsement pages — **CG 20 10 (Ongoing Operations)** and **CG 20 37 (Completed Operations)** — or equivalent blanket endorsement wording are attached.

## 2. How PassCOI Works
1. **Proprietary Multi-Page Policy & Endorsement Verification**: Upload any subcontractor ACORD 25 PDF, endorsement packet, or State Workers' Comp Exemption Certificate. PassCOI inspects GL Each Occurrence / Aggregate limits, policy expiration dates, Workers' Comp statutory coverage, CG 20 10 Ongoing Operations, CG 20 37 Completed Operations, Primary & Non-Contributory wording, Waiver of Subrogation, and Non-Admitted Surplus Lines (E&S) flags in seconds with page-level citations.
2. **Zero-Login Broker & Subcontractor Magic Links (`/u`)**: When a deficiency is detected, PassCOI dispatches a direct magic upload link to the subcontractor and their insurance producer. Brokers upload corrected COIs and subcontractors e-sign Conditional Progress Lien Waivers from any phone or desktop without creating a password.
3. **Subcontractor Invoice Hold Gate & QuickBooks Online Sync**: Builders forward subcontractor invoices to `<workspace>-ap@passcoi.com` (or stage directly in PassCOI). Invoices remain **ON HOLD** outside QuickBooks Online until both COI compliance and the state-appropriate Conditional Progress Lien Waiver clear — preventing accidental check-run payouts to non-compliant subs. Once cleared, bills release via 1-click QuickBooks Online Bill creation or universal CSV check-run export.

## 3. 50-State Statutory Lien Waiver Compliance
- **12 Statutory Form States**: AZ, CA, FL, GA, MA, MI, MS, MO, NV, TX, UT, WY automatically use state-specific statutory conditional progress waiver notices (including Texas Prop. Code 53.284, where HB 2237 repealed notarization for waivers signed on or after Jan 1, 2022).
- **Mandatory Notarization States**: MS and WY require wet-signed notarized PDF uploads prior to payout release.
- **Solo-Owner Workers' Comp Exemption Guardrail**: When a subcontractor relies on a State Workers' Comp Exemption Certificate (FL, TX, CA, NY, etc.), PassCOI requires explicit confirmation that zero helpers/employees worked on site before releasing payment.

## 4. Transparent Self-Serve Pricing (USD)
| Plan | Price | Active Subs | Key Capabilities |
| :--- | :--- | :--- | :--- |
| **Instant Audit Rescue Pack** | $49 one-time | Up to 25 | Immediate batch scan of 25 COI PDFs, audit exposure report, 1-click broker fix links |
| **COI Radar** | $49/mo ($490/yr) | Up to 20 | Continuous COI & endorsement tracking, 30/15/7/1-day expiry alerts, broker magic links |
| **Pay-Gate Pro** | $149/mo ($1,490/yr) | Up to 75 | Everything in Radar + AP Email Invoice Staging, 50-State Conditional Lien Waivers, QuickBooks Online Approved Bill Push + CSV Export |
| **Commercial Scale** | $249/mo ($2,490/yr) | Up to 250 | Everything in Pro + Non-Admitted E&S residential exclusion alerts, multi-project rules |

All plans include instant workspace provisioning via Stripe Checkout and a **14-Day 100% Money-Back Guarantee**.

## 5. Remote MCP Server (`https://api.passcoi.com/mcp`)
AI agents can call `POST https://api.passcoi.com/mcp` (JSON-RPC 2.0) with tools:
- `get_pricing_plans`
- `check_state_lien_waiver_rules` (`{ "stateCode": "TX" }`)
- `create_checkout_link` (`{ "tierCode": "pro", "interval": "month" }`)