Construction
The Annual Audit
One missing certificate.
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
The audit always comes at the worst time.
A subcontractor gets paid without a valid certificate on file — and gets counted as your own payroll when the auditor calculates premium.
The audit asks for proof of coverage on every subcontractor paid during the period, and the files are scattered across email and folders.
The gap surfaces months after the work is finished, with little room left to dispute it.
How It Works
We don’t just flag the risk. We close it automatically.
Which is what actually gets your team’s time back.
01 — Read the subcontract
No more manually cross-checking insurance clauses.
FlexWurx extracts every insurance requirement from every subcontract — limits, endorsements, additional insured language — so nothing gets missed before work starts.
02 — Verify every certificate
Not just that a document exists, that the coverage is right.
Every certificate is checked line by line against the subcontract it belongs to. Matches clear automatically. Anything short gets flagged on arrival.
03 — Chase only what needs chasing
Matches close themselves out. Mismatches land on your desk solved halfway.
Outreach for the gap is already drafted, sent, and tracked — so your team never has to reconcile a clean file again.
What You Get
Everything compliance work needs, minus the manual part.
Click through to see how each one actually works.
Contract reading
Requirements extracted straight from the subcontract.
Coverage depth
Limits, endorsements, and additional insured checked — not just a box ticked.
Speed
A certificate verified in about two minutes, not two days.
Automated outreach
Broker first, then the subcontractor — every follow-up documented.
Requirements engine
By trade, by scope, by project — every override documented.
Audit-ready records
Every check timestamped and exportable on request.
The Time You Get Back
Less chasing. Less re-checking. Less waiting.
Manual tracking
With FlexWurx
Without FlexWurx
With FlexWurx
Chasing brokers and subs for an updated certificate
Certificates collected automatically as subs are hired
Cross-reading coverage against the subcontract by hand
Coverage checked against the contract the moment it arrives
Rebuilding the paper trail when the annual audit lands
A timestamped record already sitting in the file
Results
What teams get back.
Fewer hours spent chasing paperwork
Time that used to go to email follow-ups goes back to the project.
Fewer premium surprises at audit
Gaps get caught while the work is live, not months later.
Cleaner audits, fewer disputes
Every check is documented, so the paper trail defends itself.
Questions
Common 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?
Customer Story
Director of Risk — Commercial general contractor
See your audit package,
built from your own subcontracts.
Send your subcontract and a few certificates. We’ll show you exactly what your carrier’s auditor would see.