Insurance is a real cost. VisiBooks treats it like one.
General liability, commercial auto, workers comp — you pay these every month. VisiBooks allocates them to the jobs, properties, and periods where they belong, and tracks certificates of insurance for everyone you work with.
Your margin is wrong if insurance isn't in it.
You pay $2,400 a month in general liability. That cost is real. But it never shows up in your job margin because your accounting software records it as a lump expense — disconnected from the work it covers.
The result: every job looks more profitable than it is. Every quote is based on margins that don't include every real cost. The gap compounds over months and years.
Insurance cost allocation
VisiBooks treats your insurance premiums as an operating cost that gets allocated — by job, by property, or by period. General liability, commercial auto, workers comp, professional liability. Each one lands where it belongs in your books.
True job margin
When insurance is allocated per job, your margin reflects every real cost — not just labor and materials. You see what you actually kept, and you quote the next job based on numbers that are true.
COI tracking
Subcontractors. Vendors. Anyone who sets foot on a job site or a property you own. VisiBooks tracks certificates of insurance, stores the documents, and flags expirations before they become your liability.
Expiration alerts
A subcontractor's coverage lapsed last week. You didn't know. Now it's your problem. VisiBooks flags expiring certificates in advance, so you always know who's covered and who isn't.
| Status | Entity | Policy type | Carrier | Expires |
|---|---|---|---|---|
| Active | Rivera Electric LLC | General liability | Hartford | 2026-11-30 |
| Expiring | Oakmont Plumbing | Workers comp | State Fund | 2026-03-28 |
| Expired | J&M Concrete | Commercial auto | Progressive | 2026-02-15 |
| Active | Summit Roofing Co | General liability | Travelers | 2027-01-15 |
Every cost accounted for. Every certificate tracked.
Stop treating insurance as an invisible overhead line. Make it part of every job margin and every vendor relationship.