Tracking subcontractor insurance certificates.

If a sub's insurance lapses and something goes wrong, it can land on you. Keeping certificates current is simple in theory and tedious in practice. Here are the options.

Side by side

	Spreadsheet and email	Vendor compliance platforms	Lumière paperwork chaser
Asks for missing certificates	You email each one	Yes	Yes: right away, after 4 days and after 7
Renewal reminders	If you remember	Yes	30, 14 and 7 days before expiry
Checks limits and endorsements	You read every PDF	Yes, often with a review team	Read automatically (with AI credits) and checked against your checklist; you accept each one
Requests to brokers	Manual	Varies	Yes: sent to the broker with the sub copied
Built for	A few vendors	Larger companies and property portfolios	Small contractors and property managers
Cost	Your time	Often per vendor or per property	$200/month + $750 setup

Other options vary by provider and plan; check their current features and pricing. Lumière Agents details reflect how the product works today.

Which one fits you

A spreadsheet if…
you have a handful of subs who rarely change.

A compliance platform if…
you manage hundreds of vendors with strict audit needs.

The paperwork chaser if…
you want certificates collected and kept current without the email back-and-forth.

How the paperwork chaser works →

Questions

Is anything accepted automatically?

No. Each certificate is checked against your checklist, and you accept it.

Does it handle workers' comp exemptions?

Yes. You can mark a one-person sub exempt, optionally until a date.

More comparisons

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Try it on your own follow-up

You approve every message until you switch an agent to automatic. Cancel any time.

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