One missing COI can cost you everything

We manage your subcontractor compliance so you know who is Clear to Pay.

We collect COIs, track expirations, follow up with vendors, send weekly payment-status reports, and organize your records for audit.

Clear-to-Pay statuses are informational administrative flags based on the documents on file and criteria configured by the client. They are not legal or insurance advice, do not verify coverage adequacy, and do not guarantee that a vendor should be paid. The client is responsible for final payment and coverage decisions.

We Do The Work

We chase the paperwork. You build the business.

This is not another piece of software you have to operate. We do the actual work — your vendors hear from us, not from you.

Automated Renewal Reminders

When a document is close to expiring, the system automatically emails its sender a renewal reminder — at 30, 15, and 7 days before expiration and again on the expiration date. No phone tag required.

Missing Documents, Flagged

Missing COI? W-9? Insurance certificate? The system tracks every required document and flags what's missing in your weekly Clear-to-Pay Report — so you know exactly what to request and from whom.

We Follow Up on Renewals Early

The system sends scheduled reminders before recorded expiration dates and flags documents that have not been renewed. Clients remain responsible for confirming that renewal documents are received, accurate, and sufficient. Reminders do not guarantee uninterrupted coverage.

We Track Every Expiration Date

Every policy, license, and certificate date is logged and tracked to the day — so a lapse is far less likely to catch you off guard, based on the documents on file.

We Keep Files Audit-Ready

Documents are filed by vendor and searchable, so when an auditor asks, you can pull a complete package in minutes instead of days.

You Just Run Your Business

No chasing, no spreadsheets, no Monday-morning panic. You build. We handle compliance.

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First month free · Set up in about an hour · Cancel anytime

Every vendor. Every document. Every deadline — tracked for you.

The Monday Report

Every Monday morning, you know exactly who's clear to pay.

One glance. Every vendor, every week. No spreadsheets, no digging through files.

Clear-to-Pay statuses are informational administrative flags based on the documents on file and criteria configured by the client. They are not legal or insurance advice, do not verify coverage adequacy, and do not guarantee that a vendor should be paid. The client is responsible for final payment and coverage decisions.

Clear-to-Pay Report

Delivered every Monday · 7:00 AM ET

6 Approved4 Review3 Hold
✓

Clear to Pay

  • Apex Framing Co.✓
  • Summit Electric✓
  • Cascade Plumbing✓
  • Ironclad Steel✓
  • BlueLine HVAC✓
  • Heritage Roofing✓
⚠

Review

  • Cornerstone ConcreteCOI expires this Friday
    ⚠
  • Metro Glass & GlazingW-9 not yet received
    ⚠
  • Frontier ExcavatingWorkers' comp renewal pending
    ⚠
  • Lakeside MillworkUmbrella limit below requirement
    ⚠
✕

Hold

  • Harbor DrywallNo workers' comp on file
    ✕
  • NorthGate PavingCOI expired June 2
    ✕
  • Redline SecurityBusiness license lapsed
    ✕

Delivered to your inbox every Monday morning — PDF and Excel. Forward it to your project managers and you're done.

Get Protected

See your vendors grouped exactly like this, every single Monday.

Every project. Every subcontractor. Every document. We track it all.

How It Works

From vendor list to peace of mind — in five steps.

You hand us the list. We handle everything after that.

01

Send us your vendor list

Spreadsheet, CSV, or manual entry. We import every vendor and their requirements. Takes about an hour.

You've already got the list — just send it over.

02

We collect and monitor documents

Vendors and agents email COIs, W-9s, workers' comp, and everything else required to your dedicated compliance inbox — the system processes each document and tracks it automatically.

One secure inbox for every compliance document.

03

We follow up on problems

Missing COI? Expiring next week? We handle it before it becomes your problem — with reminders and follow-ups.

Problems get solved, quietly, on our end.

04

You receive Monday's Clear-to-Pay report

Approved, Review, Hold. Every vendor, every week — delivered to your inbox with the reasons spelled out.

Forward it to your team. Done.

05

We maintain your audit history

We file every document by vendor and keep a complete, searchable history — so when audit season hits, you're pulling a package in minutes, not days.

Document history kept for your records.

Get Protected

Set up starts with one email. We'll import your vendors for you.

Audit season doesn't have to be chaos. Be ready before they ask.

Audit Season

Audit-ready, whenever they ask.

Insurance audits. OSHA inspections. GC prequalification. Bank bonding reviews. They all want the same thing: your documents, organized, complete, and ready.

A real audit request, handled in minutes

Your auditor requests a date range — say, Jan 15, 2025 through Jan 15, 2026 — and receives every applicable COI, organized by vendor into one audit-ready package. No digging through filing cabinets. No frantic emails. No scrambling the night before.

Complete Audit Package

  • Every matching document, organized by vendor
  • Vendor compliance summaries with status and dates
  • Missing document report — what's still needed
  • Expired document report with expiration dates
  • Full audit trail of every document change
  • Delivered as a single ZIP file, ready to share

Search Anything, Instantly

  • Search by client, vendor, or document type
  • Filter by date range — pull everything from Q4 2025
  • Find by policy number or insurance carrier
  • Results in seconds, not hours
  • Document history kept for your records

Audit packages contain the documents on file and should be reviewed for completeness before providing them to an auditor. Package contents may not satisfy every audit request.

Get Protected

Pull any date range, any vendor — in minutes. Start your 30-day free trial.

Every document type your project requires

Standard or custom — if your vendors need it, we track it.

Certificate of Insurance (COI)

We extract and organize holder, endorsement, and date information for client review.

W-9 Form

We store submitted W-9s and flag missing information for client review.

Workers' Compensation

If a sub's coverage lapses and someone gets hurt, it's on you. Never let it lapse.

General Liability

The policy that protects you when their work causes damage. Tracked to the day.

Commercial Auto

We track submitted commercial auto documents and their recorded expiration dates.

Umbrella / Excess Liability

When standard limits aren't enough. We track the excess layers too.

Business License

We track submitted license information and renewal dates. The client remains responsible for confirming licensing status with the issuing authority.

Custom Documents

Bonding letters. Safety programs. EMR letters. Add anything your project demands.

Compliance that keeps pace with your job sites.

Your Data

We never sell your data. Ever.

Your vendor lists, your compliance documents, and your company information are yours. We do not sell, rent, or trade them to anyone — not to marketers, not to data brokers, not to insurers. We use your data for one purpose only: delivering the service you signed up for.

Never sold or rented

No marketing lists, no data brokers, no third-party sales — in writing, in our Privacy Policy.

Visible only to you

Every account is separated. Your vendors and documents are visible to your team alone — never to another customer.

Encrypted in transit

Your documents are protected in transit and in storage, and stay available to you for as long as you're a customer.

Read the full commitment in our Privacy Policy.

Audit-ready. Every day of the year.

Partner Program

Know contractors? Earn recurring revenue.

Insurance agents, CPAs, bookkeepers, and consultants earn recurring Partner Referral Compensation — paid monthly for the life of each referred account.

Pricing

Simple pricing. Serious protection.

Everything you need to keep every vendor compliant — no per-vendor fees, no hidden costs.

Month-to-Month

$149/month

First Month Free

Billed automatically each month after your free trial. Cancel anytime.

  • Unlimited vendors
  • All document types (COI, W-9, Workers' Comp, General Liability, etc.)
  • AI-powered document extraction
  • Weekly Clear-to-Pay reports
  • Monthly compliance reports
  • Audit-ready packages
  • Email + chat support
Get Protected

Start your 30-day free trial

Best Value

Annual Plan

$1,200/year

First Month Free

That's $100/month, billed once a year after your free trial ends. Save $588 vs. monthly.

  • Unlimited vendors
  • All document types (COI, W-9, Workers' Comp, General Liability, etc.)
  • AI-powered document extraction
  • Weekly Clear-to-Pay reports
  • Monthly compliance reports
  • Audit-ready packages
  • Email + chat support
Get Protected

Start your 30-day free trial

No contracts. No per-vendor fees. Cancel anytime.

FAQ

Common questions

Everything you need to know before you get started.

What documents does ClearToPay track?

Certificates of insurance (COIs), W-9s, and other compliance documents — general liability, workers' compensation, commercial auto, umbrella, business licenses, and any custom document types you require.

How does ClearToPay decide if a vendor is safe to pay?

We extract the key details from each document — coverage dates, limits, and policy numbers — and flag every vendor as Approved, Review, or Hold based on what's on file and the requirements you configure. These are informational flags to help you decide; you remain responsible for verifying coverage adequacy and making final payment decisions.

How much does it cost?

$149/month (first month free), or $1,200/year billed annually — that's $100/month and saves you $588 versus monthly. No per-vendor fees, no hidden costs.

Is there a long-term contract?

No. It's month-to-month with no commitment — cancel anytime.

How long does setup take?

About an hour. We help you import your vendor list and configure your required document types and report recipients.

How do documents get into the system?

Upload them yourself, or have vendors and insurance agents email them to your dedicated compliance inbox. We extract the data and flag what's missing or expiring.

What's in the weekly Clear-to-Pay Report?

Every Monday you get a report showing vendors approved for payment, vendors needing review, vendors on hold, documents expiring during the payment week, and missing documents.

Can I download reports and audit packages?

Yes — PDF and Excel reports on demand, plus complete audit packages whenever you need them.

Let us take compliance off your hands

Stop spending Monday mornings chasing vendor documents. Stop worrying about what the auditor will find. Know which vendors are covered before you pay. One platform. Every vendor, every document, every week — tracked, reported, and audit-ready.

Clear-to-Pay statuses are informational administrative flags based on the documents on file and criteria configured by the client. They are not legal or insurance advice, do not verify coverage adequacy, and do not guarantee that a vendor should be paid. The client is responsible for final payment and coverage decisions.

Get Protected

First month free. Set up in under an hour. Cancel anytime.