Search "subcontractor management small business" and the results are scheduling software and generic onboarding checklists: collect the certificate, collect the licence, file them, and move on. None of them check whether that certificate's coverage actually stays in force for as long as the job's own workmanship warranty runs. A policy that lapses the week after a job finishes reads as fine on every checklist that only checks today's date, right up until a callback arrives.
Corrigan Build Group's framer, Voss Framing LLC, let its general liability policy lapse on 1 January 2025 and never renewed. Two of its jobs carried a one-year workmanship warranty extending past that date, one by 76 days and one by 305 days, both invisible to a check that only looks at today. A callback landed inside that second gap: a $18,400 water-intrusion repair traced to a flashing detail, with no subcontractor coverage in force to answer it.
Corrigan's own policy paid that claim instead, the exposure this pack exists to catch before it happens rather than after. Anders Roofing's two-year roofing warranty creates the same kind of gap on a policy that also lapsed and was never renewed, 427 days deep and still open today, since that job's warranty does not end until November 2026. Additional insured status depends on an endorsement attached to the policy, which a checkbox alone never establishes. The onboarding checklist and the scheduling pack track the same crews from the client and capacity side.
Subcontractor Register