Construction & Commercial Real Estate  ·  Built on VeloIQ™ + IQVigilant  ·  Ready for Your Vertical

VeloIQ™ Subcontractor Risk & COI Matrix — Uninsured Subs Caught Before They Reach the Site

Every subcontractor's Certificate of Insurance, lien waiver, and safety record tracked from agreement signature to final payment. A job-site restriction alert fires automatically the moment a COI lapses or a preliminary lien notice is filed without a matching waiver — not discovered after the mechanics' lien is already on file.

AIA Document ShapesACORD 25

A guided tour of Subcontractor Risk & COI Matrix

Every user journey, the dashboard, and the AI Management Console — walked end to end.

From the signed trade agreement to the final lien waiver — one platform

A single platform for general contractor risk teams — connecting projects, subcontractors, agreements, job-site assignments, certificates of insurance, lien waivers, preliminary lien notices, and safety incidents.

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Who it’s for

General Contractor Operations Directors, Commercial Property Risk Managers, and VPs of Construction.

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Unlimited-user compliance layer

Project managers and risk coordinators log agreements, COIs, and lien waivers directly — unlimited users, no per-seat cost, no ERP overhaul required.

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AI analytics for the decision-maker

The Risk Manager queries which subcontractors on which projects have COIs expiring in the next 30 days in plain English.

Every module a GC risk team needs, pre-built

Purpose-built data models, workflows, and views — generated by the VeloIQ™ framework and refined for the vertical.

Projects & Subcontractors

Active job sites and the subcontractor roster working them, with trade, safety rating, and standing tracked per sub.

AIA A401 Subcontractor Agreements

Contract sum, retainage percentage, scope of work, and agreement status modeled directly on the AIA A401 standard form.

ACORD 25 Certificates of Insurance

Insurance carrier, policy number, coverage type and limit, and effective/expiration dates — every field a COI review actually checks.

Lien Waivers & Preliminary Notices

The standard four-state lien waiver progression (conditional/unconditional, partial/final) plus preliminary lien notice tracking to surface unresolved liens early.

Job-Site Assignment & Access Control

A subcontractor is assigned to a project only while both its agreement and compliance standing remain in good order — access status tracked per assignment.

Safety Incident Tracking

Incidents logged per subcontractor and project, feeding each sub's safety score alongside their insurance and lien standing.

Deployable on day one

VeloIQ™ Subcontractor Risk & COI Matrix ships as a complete, working application — not a template you still have to build.

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Pre-bundled & seeded

Arrives with realistic sample data (6 projects, 10 subcontractors, 9 agreements, 9 job-site assignments, 29 certificates of insurance, 8 lien waivers, 5 preliminary lien notices, 10 safety incidents) plus a clean production-ready database. Explore instantly, then switch when you go live.

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Pre-configured NL analytics

5 pre-configured NL chats with 28 sample sentences — subcontractors & projects, insurance & compliance, and site assignments & safety (native), plus site risk exposure and contract/payment planning AI assistants (agentic).

Runs out of the box

One veloiq run and the full application is live: REST API, React frontend, admin back-office, and AI console — all on your own infrastructure.

Tested & verifiable

Automated smoke, regression, and licensing suites ship with the app, including checks that COI expiration status and site restriction alerts fire correctly against real seeded data.

Turn subcontractor risk into a managed, visible process

Measurable outcomes for every role — from the project manager to the VP of Construction.

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Uninsured subs caught before site access

Every certificate's status is checked automatically against its expiration date — flagged expiring_soon ahead of the deadline, not discovered when a claim is filed.

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Unresolved lien risk surfaced early

A preliminary lien notice filed without a matching, subsequently executed lien waiver is visible immediately — not buried in a filing cabinet.

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Site restriction, automated

IQVigilant's Exception Management watches for lapsed coverage and unmatched lien notices, with a 1-user free-tier Natural Language license included.

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No more spreadsheet COI tracking

The single most common acute pain point for GC risk teams — a spreadsheet of expiration dates — replaced with a real, queryable system of record.

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ROI in one CSV upload

Prospects can upload a month of past COI and lien-waiver records via the Data Import Engine to see immediately where coverage gaps existed.

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Safety and compliance in one view

A subcontractor's safety incident history sits alongside their insurance and lien standing — one record, not three separate systems.

The Subcontractor Risk Experience

From the operations dashboard to certificates of insurance, lien waivers, and job-site assignments — every screen generated by VeloIQ™, refined for construction risk management.

Certificate of insurance record with status workflow stage bar
Certificate of Insurance — valid → expiring soon → expired → pending renewal workflow, ACORD 25-shaped
Lien waiver record with waiver type and status
Lien Waiver — conditional/unconditional, partial/final progression, AIA G706/G707-informed
Subcontractor agreement record with contract sum and retainage
Subcontractor Agreement — AIA A401-shaped contract sum, retainage, and scope of work
Job site assignment record with access status
Job Site Assignment — access status tied to agreement and compliance standing
Subcontractor record with related agreements, certificates, and safety incidents
Subcontractor — trade, safety rating, and every related agreement, certificate, and incident
Subcontractor Risk and COI Matrix dashboard with insurance and compliance analytics
Dashboard — projects, subcontractors, certificates, and lien waivers at a glance

Natural Language-Powered Risk Analytics

Ask questions in plain English. Get bar charts, pie charts, donuts, bubble charts, area charts, and boxplots — no SQL required. 5 pre-built NL chats for subcontractors & projects, insurance & compliance, and site assignments & safety (native), plus site risk exposure and contract/payment planning AI assistants (agentic).

Subcontractors and projects analytics chart generated by NL query
Subcontractors & projects — roster and assignment breakdown by trade and status
Insurance and compliance analytics chart
Insurance & compliance — certificate status and coverage limit distribution
Site assignments and safety analytics chart
Site assignments & safety — incident severity breakdown by project

AIA Document Shapes & ACORD 25 — the standards that power the industry

Data models and metadata that speak your industry’s language — because interoperability with subcontractors and insurers starts with the schema. See the full mapping in the app's STANDARDS.md.

AreaStandardModels mapped
Trade agreement structureAIA A401SubcontractorAgreement (agreement_number, contract_sum_usd, retainage_pct, scope_of_work)
Payment affidavit & surety consentAIA G706 / G707LienWaiver (waiver_type: conditional/unconditional, partial/final)
Certificate of liability insuranceACORD 25CertificateOfInsurance (insurance_carrier, policy_number, coverage_type, coverage_limit_usd)

Built on VeloIQ™. Tailored to your job sites.

Every VeloIQ™ vertical application is versioned source code — not a locked SaaS. Fork, extend, integrate, or white-label.

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Modular data models

Each module is a self-contained VeloIQ™ unit with its own models.py, generated GUI views, and REST API. Add or remove modules as your needs evolve.

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Extension packages

Bring in IQVigilant for NL analytics and exception alerts, and Advanced Development for page-config templates, business rules, and data import — configured declaratively in veloiq.toml.

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Custom endpoints & views

Add custom business logic in custom_api.py, override page-config templates per model:action, or add SQLAdmin views for advanced administration.

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Bring your own database

Switch from the shipped SQLite to PostgreSQL, MySQL, or Snowflake with a single connection string change. Schema migrations are tracked via Alembic.

AI-ready with 1-User Natural Language · 10 Exception Alerts · UI Configuration, Dynamic Business Rules & Data Importlearn about IQVigilant capabilities

Ready to bring VeloIQ™ Subcontractor Risk & COI Matrix to your projects?

Get in touch with the VeloIQ™ team to discuss deployment, customization, and licensing.