LapseWatch
Log in Get started
Comparison

LapseWatch vs Insurance Xdate

Both sell commercial insurance prospecting data. They are a nationwide search platform; we are a weekly California call list built on a trigger that forces a purchase. If you write commercial P&C in California, the difference is not subtle.

Workers'-comp expiration freshness
LapseWatchFresh every week. Monday's list reflects the most recent state data.
Insurance Xdate“Workers Comp Expiration Dates and Carrier info update on a monthly to quarterly basis.”
Contact data freshness
LapseWatchPhone numbers re-checked every week; 99.9% of records carry a dialable 10-digit number.
Insurance Xdate“Contact and Demographic info updates annually.” Coverage “varies by state, industry and even specific regions within a given state.”
How you receive it
LapseWatchDelivered. A working call list arrives in your inbox every Monday morning, already filtered to your territory.
Insurance XdateA search platform you log into. Starter plans are “limited to 200 exports per month”.
License-expiry trigger
LapseWatchYes — contractor license renewals as well as workers'-comp, because a renewal is its own buying moment.
Insurance XdateNot offered.
Trade-exemption intelligence
LapseWatchBuilt in. We surface the classifications that legally cannot hold a workers'-comp exemption, so you are calling contractors who must buy.
Insurance XdateNot offered.
Free trial
LapseWatchA real list for your county, delivered, in exchange for an email. Nothing hidden.
Insurance Xdate“Up to two weeks of access… up to 20 searches and view up to 50 businesses. Search results are limited to the first 5 records of a given search and contact information is redacted.”
Coverage
LapseWatchCalifornia only, in depth — every active license, every classification, every county.
Insurance XdateNationwide breadth, with data availability that varies by state.
Entry price
LapseWatch$99/month for a county on Starter; $149 for a metro across every trade.
Insurance Xdate“Plans start at $100/mo.”

Quotations are from Insurance Xdate's own published support and pricing pages. Everything on our side of the table is something you can hold us to — ask for the sample list and check it.

The part that cannot be copied

A roofer with an expiring policy has to buy.

Roofers cannot go without workers' comp at all — there is no exemption available to them, however small the crew. Concrete, HVAC, asbestos and tree-service contractors have been in the same position since the start of 2023. For those trades, coverage is a condition of being allowed to work.

So when the policy runs out, that contractor is not weighing options — they are replacing cover or losing the right to trade. That is a different phone call from “are you happy with your current carrier?”, and it is why which trade you call matters more than how many records you can download.

Every other trade can still declare no employees and skip it until 1 January 2028 — SB 1455 moved that date from 2026 — so {exempt_pct_all}% of active licenses are legitimately exempt today. Every trade is included on Pro and above; we simply put the ones who cannot skip it at the top. The trades, and the law behind it →

See for yourself

Take the list before you take our word for it.

Pick your county. We will send the real roofing and HVAC workers'-comp expirations for it — phone numbers included, nothing redacted.

A real list for your county — roofing and HVAC workers'-comp expirations, with the phone numbers. No card, no login, no redacted columns. In your inbox within one business day.