Home Builders & Remodelers

Verify trade partner insurance stays active, without chasing anyone.

LightDoc manages trade partner compliance end to end, including COIs, W 9s, licenses, and recurring carrier verification.

Trusted by teams managing 34,000+ contractors.

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No implementation fee, no long term contract. Setup can start from a trade partner CSV.

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I can see where you’re going, and I see how good of a service it’s gonna be for the industry.
Director of Operations, Commercial Contractor

Compliance issues only show up when the timing is worst.

Most teams do not have a real time view of trade partner compliance. Expirations, missing docs, and canceled policies sit unnoticed until an audit, a claim, or a project kickoff forces a mad rush. Ops and finance end up spending hours reconstructing proof instead of running the business.

When they lapse, there’s not a good way of us going and getting them again and keeping track of when they lapse. We just kinda lose track. And then it only comes up when we need it. Then it’s a mad rush to go get it from everybody again.
Director of Operations, Custom Home Builder
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How it works

1

Send us who you want to vet

Share names and contact info for anyone you’re considering bringing into your network. We initiate outreach by email and text, answer their questions, and drive them through your pre-qualification process from start to finish.

2

We collect everything and resolve issues for you

We gather whatever you require — COIs, W-9s, licenses, service agreements, and background checks — and follow up until it’s complete. Background checks are run directly through LightDoc, so trade partners complete them as part of the same flow without any separate coordination on your end. If something is missing, doesn’t meet your requirements, or needs to be fixed, we work directly with the trade partner so you don’t have to. If they need coverage, they can purchase it through TradeGuard directly inside the onboarding flow.

3

You make the call with full visibility

Once everything is verified, you get a clear view of where each trade partner stands — what’s been collected, what’s been verified, and any open items. You only step in when it’s time to decide who makes the cut.

A done-for-you process that keeps trade partner compliance current, while your team stays out of the back and forth.

1

Send your trade partner list

Upload a CSV or share names and emails. LightDoc handles trade partner outreach by email and text, answers questions, and drives completion.

2

We verify documents, and resolve issues for you

LightDoc verifies your trade partners’ coverage is active and identifies any gaps in compliance. If something is missing or does not meet requirements, we work directly with the trade partner to fix it.

3

We keep insurance verified, and help trade partners get covered fast

LightDoc tracks expirations and verifies active coverage directly with carriers on a recurring basis. If a trade partner needs coverage, they can purchase insurance inside the onboarding flow through embedded options at strong rates, so projects do not stall. You get a dashboard view and clear notifications only when you need to make a decision.

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A COI is not the same thing as active coverage.

A trade partner can submit a COI and cancel the policy right after. The certificate still looks valid, and most teams do not find out until there is a claim or an audit.

LightDoc verifies coverage directly with carriers on a recurring schedule, so you are not relying on a PDF that can be out of date.

It seems really common for people to cancel their insurance because they don’t want to afford that bill. You had a certificate — what do you mean you canceled it? Well, I couldn’t afford the bill. And I’m like… what?
Operations Manager, Commercial Painting Contractor
Is Your COI Actually Active? Find Out Free

What changes for ops and finance

I really am excited about this. Any service that can add benefit and reduce stress — people can’t afford full staff teams, but they can afford to team out pieces like this.
Operations Manager, Commercial Painting Contractor
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Built around what gets questioned in audits and claims.

Scale proof

We support teams managing tens of thousands of contractors and trade partners.

Domain credibility

Our team comes from a family commercial insurance agency with 30+ years of experience, so the verification process is built around real audit and claims realities.

Speed to value

Once we have your trade partner list, most customers are up and running within about a week.

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What you get on the demo

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Low risk to try.

Calculate Your Monthly Cost

$99/mo base fee + $6 per active trade partner

Active trade partners
50 trade partners
$399
$99 base + 50 × $6 = $399/mo
  • No implementation fee
  • No long term contract
  • If you are not satisfied after the first month, we will refund you
  • Want to see output first? We can run 2 to 3 trade partners through the process at no cost
On average, we spend forty hours a year just vetting a handful of subs. We’re already saving money and getting the time back to multiply our money.
Operations Manager, Commercial Painting Contractor
Verify a Trade Partner Free

FAQ

LightDoc handles trade partner compliance so you do not have to. When you bring on a new trade partner, we collect their COIs, W 9s, licenses, safety certs, and any signed agreements through a simple branded intake form. Then we verify everything against your requirements, flag what is missing or expired, and follow up directly with the trade partner until it is resolved. Once they are approved, we continuously monitor coverage so nothing lapses without you knowing. You get a dashboard view of every trade partner, but the chasing, verification, and issue resolution is on us.
It is a service. Builders told us they are tired of software that requires training, adoption, and ongoing management. LightDoc is a done for you managed service with a dashboard for visibility. You enter a trade partner name and email, and we handle the rest. Your team gets notified when something needs a decision.
Those platforms can alert you when a document expires. That still leaves the hard part, someone has to chase the trade partner, collect the updated document, verify it meets requirements, and resolve issues. LightDoc runs the full cycle. We do follow up, collection, verification, and issue resolution directly with the trade partner. Knowing about a problem and solving it are different things.
The intake form is web based, mobile friendly, and takes under five minutes. It tells the trade partner exactly what to upload and prevents incomplete submissions. If someone struggles with email or forms, we reach out by text and phone. We also support Spanish language communication in markets that need it.
If a trade partner is missing general liability, needs higher limits, or has a gap, they can get a quote and purchase coverage inside the onboarding flow through our embedded insurance options via TradeGuard. This keeps onboarding moving instead of stalling while they search for a broker. The quote flow is fast because it is based on your requirements.
We contact the carrier or broker listed on the certificate directly, confirm the policy is active, and log the verification in your dashboard with a timestamped proof trail. We do this quarterly by default, and you can adjust the frequency. The reason this matters is simple, a trade partner can submit a valid COI and cancel the next day. A direct call is the only reliable way to confirm active coverage.
Both. Most clients migrate their current trade partner base first, then use LightDoc for all new onboarding. Export a CSV from Buildertrend, CoConstruct, Excel, or any system, and we seed your account. We run an initial verification across your existing trade partners, flag gaps, and start resolving them. A builder with roughly 130 trade partners can typically be up and running within about a week after we receive the export.
No. We work with custom builders running 15 to 20 projects at a time with around 80 trade partners, and multi market remodelers with 130+. The pricing scales with usage, so smaller teams pay less. If someone is spending time chasing documents or scrambling before an audit, LightDoc can take it off their plate.
$99 per month base fee, plus $6 per month per active trade partner. No implementation fee for standard setups, no per document charges, and no hidden costs. If you have 50 active trade partners, your monthly cost is $399. If you scale down, the cost drops with you.
No. Month to month. Annual plans are available with a discount, but not required.
Yes. We will run two or three of your trade partners through the full process at no cost so you can see the intake flow, verification output, dashboard view, and any gaps we identify.
Builders we talk to estimate roughly 40 hours per year of trade partner paperwork for every five to six trade partners. Even at $35 per hour, that is about $1,400 per year in labor just for chasing and tracking, not including risk from gaps. LightDoc adds continuous verification and a documented proof trail, which manual processes typically do not.
A COI is a snapshot in time. It does not guarantee the policy is active today. Trade partners can cancel coverage after submitting a certificate. LightDoc verifies directly with carriers on a recurring schedule and logs the verification with timestamps, so you have a proof trail.
Every step is logged. You can see when documents were collected, verified, and when the carrier was contacted. If there is a claim or audit, you have a clear record that demonstrates diligence.
Your account is private to your organization. Documents and verification results are visible only to users you authorize. We do not share your trade partner data with other builders or third parties. Data is encrypted in transit and at rest.
Most builders are operational within about a week after providing a trade partner export. We configure requirements, seed the account, run an initial scan, and start resolving issues.
We escalate from email to text to phone calls. If they remain unresponsive, we flag them clearly in the dashboard so you can decide whether to keep working with them or not.
Fair question. We built this because we saw the same failure mode everywhere, manual compliance tracking breaks as your trade partner network grows. We come from the insurance world, and we back it with a refund guarantee. The simplest way to evaluate it is to let us run a few trade partners through the process for free and judge the output.

Know trade partner compliance is current, before it becomes urgent.

LightDoc keeps trade partner insurance verified, tracks COIs, W 9s, and licenses, and follows up automatically. Your team gets notified only when something needs attention.

Book a 15 Minute Demo

Prefer a test first? Ask us to run a few trade partners through it.