PaperworkRunner

Your carrier can bill you for every sub without proof on file.

PaperworkRunner keeps that proof current. Forward your subs' insurance paperwork, as a PDF or a photo. We read it, check the state license if the trade needs one, save the workers' comp proof the state asks for, and ask your subs and their agents for what's missing, in English or Spanish, so your office isn't chasing paperwork.

Start free See how it works

Free plan: reminders for up to 5 subs a month and 10 reads a month. No card needed. It doesn't cover your whole roster.

A sample certificate of insurance, marked up Three problems circled in orange: the general aggregate is $1,000,000 when the contractor requires $2,000,000; the description of operations has no additional insured or waiver of subrogation wording; the workers' comp exemption covers only the officer, not his crew. Certificate of liability insurance Sample. Issued for information only; it does not change the policies listed. Issued 10/02/2026 Producer Agencia Muestra Seguros Miami, FL · [email protected] Insured Muestra Tile & Stone LLC Hialeah, FL Coverage Policy Effective Expires Limits General liability GL-000-4417 03/01/2026 03/01/2027 Each occ. $1,000,000 Gen. aggregate $1,000,000 Automobile AU-000-2290 03/01/2026 03/01/2027 Comb. single $1,000,000 Workers' comp None See exemption Description of operations Tile installation, residential and commercial. Certificate holder Bayside Demo Builders LLC 100 Demo Way, Tampa, FL Authorized representative Certificate of election to be exempt Construction industry. Sample. Officer Luis Muestra Business Muestra Tile & Stone LLC Expires 06/14/2027 You require $2M aggregate No additional insured or waiver wording Covers Luis only. Not his crew.

One price, set by the size of your roster

Every paid plan includes the same things. Pay yearly and save over 20%. Founding prices for the first companies, locked for as long as you stay subscribed.

Free

For contractors

$0

Free plan: reminders for up to 5 subs a month and 10 reads a month. No card needed. It doesn't cover your whole roster.

Start free

Starter

Up to 50 subs

$99 a month$129 a month

$1,188 billed yearlyBilled month to month

or $129 month to monthor $99 a month, billed yearly

Choose Starter

Growth

51 to 150 subs

$249 a month$319 a month

$2,988 billed yearlyBilled month to month

or $319 month to monthor $249 a month, billed yearly

Choose Growth

Pro

151 to 300 subs

$449 a month$579 a month

$5,388 billed yearlyBilled month to month

or $579 month to monthor $449 a month, billed yearly

Choose Pro

More than 300 subs? Email [email protected]. Insurance agency? Try 10 documents free.

Every paid plan includes:

  • Documents read for you: up to 300 a month (900 for 51 to 150 subs, 2,500 for 151 to 300). A long document counts once for every 5 pages; proof of insurance is usually one
  • Spanish and English chasing by email. WhatsApp for subs who say yes: coming soon
  • Exact requests to each sub's insurance agent
  • When a sub doesn't meet your requirements, you get an email
  • Every Monday, one email with what needs you this week
  • Weekly DBPR license check
  • State check log with screenshots
  • Audit file PDF whenever you need it
  • Logins for your whole office
  • Import your list from a spreadsheet

What one sub without proof costs at audit

At the premium audit, carriers count what you paid a sub with no proof of coverage as your own payroll. Put in your numbers.

Share your carrier counts as payroll
Percent. Many count all of it; some count only the labor share.
It's on your policy next to the class code. It varies a lot by trade.
Estimate: your carrier can add
$10,000

to your premium at audit, for one year.

This is an estimate. Rates, class codes and how each carrier counts payments to subs vary, and the Department assesses any actual penalty. Not legal advice; confirm with your attorney or insurance advisor. Read the official text: Fla. Stat. 440.107 and Rule 69L-6.032.

You forward it. PaperworkRunner reads it and chases it.

This demo runs on sample data. Tap through each step.

From[email protected]
To[email protected]
SubjectFwd: Muestra Tile insurance

---------- Forwarded message ----------
From: Luis Muestra <[email protected]>

Here's our insurance. Cell (305) 555-0142

PDF muestra-certificado.pdf

Every company gets its own address. Your sub's mobile and email are picked up from the forwarded message, because the certificate doesn't carry them.

Check a license now

Type a Florida construction license number, or the business name. The answer comes from DBPR's public licensee file, which PaperworkRunner loads every week.

Checking a whole list? Check up to 50 subs at once.

Questions

Does PaperworkRunner make me compliant?

No. Florida law puts the duty on you, the contractor: Rule 69L-6.032 says the contractor shall obtain evidence of each sub's coverage or exemption. PaperworkRunner assists with that duty: it reads what your subs send, records what the state's records showed and when, and asks for what's missing. It doesn't confirm coverage is in force, and it doesn't decide what to require or who can work; that's your call, with your insurance advisor.

What does "checked as of" mean?

PaperworkRunner saves what the certificate and the state's records showed on that date, with the source. Coverage can change afterward; that's why PaperworkRunner re-checks and asks for documents before they expire.

Do my subs have to sign up?

No. They get a link that shows what's missing. With one tap they send the request to their agent, or upload a new certificate. There's nothing to download.

Does this replace my insurance agent?

No. We do not sell, solicit, negotiate, or advise on insurance. Your agent still tells you what to require; PaperworkRunner does the asking and the filing.

What counts as workers' comp proof?

Rule 69L-6.032 accepts a screen print of the state's Proof of Coverage or Exemption search. A certificate of insurance counts only if it shows the seven items the rule lists, including policy dates that cover the dates the sub worked, and if work continues past the expiration, you need new proof. Under the rule, a contractor that obtains proper proof isn't issued a stop-work order for the sub's failure, as long as its own employees are covered. PaperworkRunner opens the right search, saves your screenshot with the date and time, and asks for new proof before the old one expires.

Official text: Rule 69L-6.032 and Fla. Stat. 440.107. Not legal advice; confirm with your attorney or insurance advisor.

What happens to W-9s?

If a W-9 lands in your PaperworkRunner address, it's recognized and deleted without keeping the taxpayer number.

What about WhatsApp?

Coming soon: our WhatsApp line is being approved. Once it's live, PaperworkRunner messages a sub on WhatsApp only after the sub says yes themselves, from their link or by sending us a message from their phone. You can invite them; you can't sign them up. Until then, you can send them their link from your own WhatsApp. They can reply STOP (or BAJA) at any time.

Can I cancel?

Yes. A month-to-month plan ends at the end of the paid month. A yearly plan runs to the end of the paid year and then stops renewing. Payments aren't refunded. Free plan: reminders for up to 5 subs a month and 10 reads a month. No card needed. It doesn't cover your whole roster.

What does the free plan cover?

Free plan: reminders for up to 5 subs a month and 10 reads a month. No card needed. It doesn't cover your whole roster. It's for contractors; agencies are set up with us. Once 5 subs have received reminders in a month, the others get none until the 1st; removing or replacing a sub doesn't free its place. If a read fails, it doesn't count. When a limit is reached, reminders and reads resume on the 1st, or when you upgrade to a paid plan.

What counts as a read?

A read covers up to 5 pages of one document; a certificate is usually one. A 12-page PDF counts as 3, and a photo counts as 1. PDFs over 20 pages aren't read: we tell you, and you send just the certificate pages. If a read fails, it doesn't count.

What if my roster outgrows my plan?

You can keep adding subs, and PaperworkRunner keeps reading their documents. We let you know in the app and by email, and you have 14 days to move to the right plan; after that, reminders pause for the newest subs beyond your plan's limit.