Construction
The Annual Audit
That’s all it takes for a carrier’s auditor to treat a subcontractor as your own employee when premium is calculated, turning a paperwork gap into a charge that’s discovered months after the work is done.
What’s On The Line
A subcontractor gets paid, but the insurance on file doesn’t meet the contractual requirements.
The auditor asks for proof across every subcontractor, and the record is spread across emails, folders, and spreadsheets.
A coverage gap is discovered months after the work is complete, when fixing it is much harder.
Which is what actually gives your team its time back.
FlexWurx extracts every insurance requirement from every subcontract, including limits, endorsements, and additional insured language, so nothing gets missed before work starts.
FlexWurx compares incoming insurance information against the actual subcontract requirements. Coverage that meets the requirements clears. Deficiencies are identified as they arrive.
Outreach for the gap is already drafted, sent, and tracked, so your team never has to reconcile a clean file again.
What You Get
Click through to see how each one actually works.
Subcontract reading
Coverage verification
Deficiency Resolution
Automated Outreach
Renewal Management
Audit-ready records
Start with what the subcontract actually requires.
FlexWurx reads each subcontract and pulls out the insurance requirements so every subcontractor is checked against the agreement they actually signed.
Results
Less time chasing insurance
Time that used to go to manual follow-up goes back to the team.
Audit package in one click
Every subcontractor, every policy, laid out the way an auditor expects to see it.
Fewer coverage gaps
Mismatches get caught before they become a claim.
Stronger bid competitiveness
Clean compliance becomes a reason to win the bid, not lose it.
Questions
How does FlexWurx know what coverage each subcontractor needs?
It reads the subcontract directly and extracts the actual insurance requirements — limits, additional insured language, endorsements — instead of relying on a generic checklist. Most subcontracts use one global subcontract, so setup is fast, and requirements can still be tuned by trade or by project.
Does this actually help with our annual premium audit?
What does onboarding actually require?
Do our subcontractors have to create an account or pay anything?
Broker's Take
Brent Scott, Senior Vice President/Agency Partner
Send your subcontract and a few certificates. We’ll show you exactly what your carrier’s auditor would see.