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Insight · Health and safety

The certificates that expire
without anybody noticing.

Insurance, cards, plant inspections, training and first aid all run out on different dates, and nothing about your file changes on the day one of them does. What has to watch them.

Published ·5 min read·Written by Unibuild

Collecting certificates is a task somebody does once. Keeping them current is a state that has to be maintained, and the two are not the same problem. Nothing in your records changes on the day a policy lapses or a card runs out: the document you hold is still a valid document, describing a period that has ended.

Why this is not a diligence problem

Every firm that has ever been asked for a compliance file has one. Insurance certificates, competence cards, plant inspection reports, training records, first aid, scheme accreditations. Somebody collected them, and at the moment of collection every one was current.

Then they expire, on twelve different dates, belonging to nine different people and four different subcontractors, none of which is your renewal date and none of which produces any event in your business.

That is what makes it structural. A missing document announces itself, because somebody asks for it and it is not there. An expired one does not, because it is there. It is in the folder, it looks exactly as it did in March, and the only thing wrong with it is a date somebody would have to read.

Telling people to be more organised does not fix this. Being organised is what produced the folder in the first place.

What actually has a date on it

More than most firms track. Roughly in order of what it costs when it lapses.

  • Public and employers' liability insurance, yours and every subcontractor's. Employers' liability is compulsory where there are employees, and a lapse means an uninsured contractor working on your site with your name above the gate.
  • Plant inspection and thorough examination reports. Lifting equipment requires periodic thorough examination under LOLER, with a report that is the thing an inspector asks to see. An out-of-date report on a working item is an immediate stop.
  • Competence cards. CSCS and the trade equivalents, mostly on a five year cycle, plus the activity-specific ones: CPCS or NPORS for plant, IPAF, PASMA, Gas Safe, electrical scheme registration.
  • Training and medicals. First aid at work, fire marshal, asbestos awareness, face fit testing, and any health surveillance the work requires.
  • Scheme accreditations. SSIP member schemes and the rest, annually. This one has a commercial consequence rather than a safety one: it stops you tendering.
  • Calibration. Test instruments used to produce certificates you issue. If the meter is out of calibration, so is every certificate produced with it, retrospectively.
  • Vehicle and driver compliance. MOT, insurance, and licence categories for anybody driving on your behalf.

What it costs when one lapses

Three consequences, and they arrive in a particular order.

Immediately: work stops. A principal contractor discovering an expired card or an out-of-date inspection report at the gate does not negotiate. The operative goes home or the item is quarantined, and your programme absorbs it.

Commercially: you are exposed. If something happens while cover has lapsed, the position is not that the insurer pays late. It is that there is no cover for that period and the claim comes to you. On a subcontractor's lapsed policy, it comes to you as the party who let them on site.

At tender: you are out. A PQQ asking for current accreditation and a current insurance schedule is a pass or fail question, and it is asked at the least convenient moment.

What has to be true to fix it

Four things. None requires software; all four fail without something to hold them.

  1. The expiry date is a field, not a fact inside a PDF. If the date only exists inside the document, nothing can act on it. It has to be recorded as data at the point the document is filed.
  2. Something produces the prompt without being asked. This is the whole thing. A list somebody has to open is a list nobody opens, because opening it is a task that competes with live work and loses. The prompt has to arrive.
  3. It is attached to the party, not to a job. A subcontractor's insurance is not a fact about one project. Filing it against a job means re-collecting it for the next one, which is how firms end up with four copies of the same certificate and no idea which is current.
  4. Somebody owns the chase. A prompt with no owner is a notification. Renewal requires a person to ask a supplier for a document, so the prompt has to reach somebody whose job it is.

Lead time is the part people get wrong

A prompt on the expiry date is too late, because on that date the certificate has already lapsed and the work is already exposed.

The useful lead time is however long it takes to get the document, which varies enormously. An insurance schedule from a broker might be two days. A LOLER thorough examination requires booking an engineer, and the item may need to come off the job. A CSCS card renewal involves a test and a card that arrives in the post. A scheme accreditation is a full reassessment measured in weeks.

So a single thirty day warning across everything is wrong in both directions: too much notice for the insurance certificate and nowhere near enough for the accreditation. Set the lead time per type, once, and it stops being a judgment somebody makes each time.

Where this touches the platform

This is what the reminders and expiry module is for, so the useful thing here is precision about what it does. Expiry dates are held as data against the party or the asset rather than inside a filed PDF, and they produce prompts rather than waiting to be looked at. Insurance currency is shown against a subcontractor before you instruct them again, which is the check most likely to be out of date at the moment it matters. Maintained assets carry their service and inspection dates, so a plant item's next thorough examination is a date on the record rather than a note in somebody's diary. Certificates you issue are generated on your letterhead from the data captured on site and stay findable years later. The honest limits: it does not renew anything, it does not chase your broker, and it cannot know a date nobody entered. Somebody still owns the chase.

Reminders and expiry Compliance and certification Maintained assets and PPM Subcontractor management

Where to start, on Monday

One question, answered for today rather than in general: which certificates in this business expire in the next sixty days. If producing that answer takes more than a few minutes, you have found the problem, and the answer itself will usually contain at least one item that has already gone.

Then do the narrow version that catches the expensive case. For every subcontractor currently on one of your sites, check the expiry date on their public and employers' liability cover. That is twenty minutes and it is the check with the largest single downside.

Asked most often

The follow-up questions.

The same problem from the paying side is in vetting a subcontractor before you instruct them.

How do I keep track of expiring certificates and insurance?+
Four things have to be true: the expiry date is recorded as a field rather than left inside a PDF, something produces a prompt without anybody opening a list, the record is attached to the party or asset rather than to a job, and a named person owns the chase. A list somebody has to remember to open is a list nobody opens.
Why do expired certificates go unnoticed?+
Because nothing in your records changes on the day one expires. A missing document announces itself when somebody asks for it; an expired one is still in the folder, looks exactly as it did when collected, and the only thing wrong with it is a date somebody would have to read. That makes it a systems problem rather than a diligence problem.
What certificates does a contractor need to keep current?+
Public and employers' liability insurance for your firm and every subcontractor, plant inspection and LOLER thorough examination reports, competence cards such as CSCS and the plant and access equivalents, training and medicals including first aid and face fit testing, scheme accreditations such as SSIP members, calibration of test instruments, and vehicle and driver compliance.
How much notice should an expiry reminder give?+
However long that document takes to obtain, which differs enormously by type. An insurance schedule from a broker may be two days; a LOLER thorough examination needs an engineer booked and possibly the item off the job; a card renewal involves a test and postage; a scheme reassessment takes weeks. A single thirty day warning across everything is too much for some and nowhere near enough for others.
What happens if a subcontractor's insurance expires mid-job?+
You have an uninsured contractor on your site. If something happens during the lapsed period there is no cover for it, and the claim comes to you as the party who allowed them on. The certificate in your file remains a genuine document; it is simply describing a period that has ended, which is why the date has to be tracked rather than the document collected.
Does an expired certificate stop work immediately?+
Usually yes. A principal contractor finding an expired competence card or an out-of-date thorough examination report at the gate does not negotiate: the operative goes home or the item is quarantined, and your programme absorbs the delay. There is also a commercial consequence at tender, where current accreditation and insurance are pass or fail questions on a PQQ.
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