In partnership with Nodal · Modern data infrastructure

Your operational data is
worth more than you
think.

How leading construction contractors are turning their operational data into lower premiums and faster cash, backed by warehouse-grade architecture from our partners at Nodal and a dedicated data team at DualData.

See how it works
Live unified view · Sample contractor
Synced 3 min ago · via Nodal
Premium (YoY)
−24.6%
$147k saved on $600k premium
DSO improvement
−18 days
AR aging 47d to 29d
Manual hours saved
82/wk
Across ops + finance
Operations vs. premium · 12 months
Operations CoverCore premium Industry-priced
General liability·BL-2026-04821·Active Workers' comp·BL-2026-04822·Payroll synced Builder's risk·BL-2026-04823·Project-linked
Live data sync · via Nodal
Warehouse-backed · Continuous
Field service + project systems unified
3,184 jobs · 28 active projects · clean tagging
Telematics flowing to underwriters
12 vehicles · 0 hard-brake events this week
3 invoices flagged for follow-up
$84k aging > 45 days · auto-nudge queued
Verified data flows mean your renewal story is built on evidence, not averages.
Up to 30%
Typical premium reduction
For contractors who prove their operational discipline
80+ hrs
Manual work eliminated weekly
Across ops, AR, and reporting
1 to 2 weeks
To see your number
Free data review, no commitment
The problem

Sound familiar?

Six problems we hear on every call with a contractor. Different operators, same story every time.
45+ days
Invoices paid late or never
AR stuck in limbo. Cash flow becomes a guessing game instead of a plan.
200+
Too many small bills to chase
Collections hell. No team big enough for it, so the smaller invoices simply slip.
7 days
From job complete to invoice sent
Every day of delay between work-done and bill-out is a day added to AR.
5+ days
Painful month-end close
Your accounting team isn't closing on time. Decisions wait for numbers that aren't ready.
+18% YoY
Insurance premiums keep rising
You're priced on industry averages, not on how your business actually operates.
Unknown
No real KPI visibility
You feel the problems. You can't prove them. So you can't fix them at the source.
The root cause

Your data lives in
10+ systems.

Nobody can see the full picture, including you. The typical contractor's operational truth is scattered across a dozen platforms that don't talk to each other.

Field service
Work orders, dispatch, project management.
Accounting · AR · AP
General ledger, receivables, payables, plus the tribal knowledge that fills the gaps.
Payroll
Hours, wages, classifications, and overtime exposure by job.
Payments
Card and ACH processors that hold half your cash-flow story.
CRM & jobs
Customer accounts, opportunities, and recurring service contracts.
Telematics
Driver behavior and vehicle health that underwriters never see.
Procurement
Materials, suppliers, and the running cost of every job.
Trade-specific
HVAC, electrical, plumbing tools that hold technical context.
Insurance & loss
COIs, loss runs, and certificates living in inboxes and shared drives.
Compliance & training
Crew certifications, SOPs, and the documentation that protects you in a claim.
The cost
Underwriters can't price you fairly
So you're stuck on industry averages, and overpaying for coverage that doesn't fit.
Your CFO can't forecast cash
AR aging, AP commitments, payroll exposure, all in different systems, none reconciled.
You can't see your own business
You feel where the leaks are. You can't point to them with numbers your team trusts.
Our story

We learned the
hard way so you
don't have to.

News · Watch
Local news
Several fire departments fight warehouse fire
January 19, 2023

Before Beltra, we ran a two sided marketplace connecting class A multifamily developers with tenants. We scaled the business to thousands of units and over $20M ARR.

Then our warehouse burned to the ground.

The moment
Five million dollars in inventory, gone overnight. We were only insured for $1M.

Our business had grown, but our insurance policy hadn't. Our insurer had no visibility into our actual operations, our risk profile, the real value of our assets but most importantly our growth. They priced us on the industry average. And we weren't average.

That experience made one thing clear: businesses with great operational data (clean records, strong practices, real visibility) are systematically underinsured, because that data never reaches their insurer.

So we built Beltra to close that coverage gap. We then partnered with Nodal, a modern data infrastructure team led by a Harvard-trained data scientist with 30+ years in analytics for insurance. Nodal brings the visibility. Beltra turns that visibility into coverage priced on how you actually operate.

If your business has grown faster than your insurer's understanding of it, we built this for you.

The product

Three phases.
One unified path.

From raw data to better insurance: a structured, proven path. Each phase builds on the one before it.
01 Phase · Data hygiene

Clean, unified, trusted data.

The foundation everything else is built on. We migrate and structure your raw operational data into a modern warehouse, the gold standard for analytics and insurance reporting.

  • One unified source of truth. Field service, ERP, payroll, payments, CRM, telematics, procurement, and compliance speaking one language.
  • Best-practices audit. We assess your data flows and close the gaps that hurt your risk rating before they reach an underwriter.
  • Cashflow visibility, on day one. The moment your data is unified, AR, AP, and cash position become visible in real time. You stop waiting for month-end.
Connected accounts · unified data layer
10 sources · live
Audit-ready · governed · joined 10 sources → 1 truth
Outcome · Real-time cashflow visibility
Cash on hand
$1.84M
AR < 30 days
$948k
AR 30 to 60 days
$412k
AP due (next 14d)
$623k
02 Phase · Business benefits

Operational intelligence that pays for itself.

Once your data is unified, higher-order analytics become possible. We turn the joined data into the KPIs underwriters reward, the forecasts your CFO needs, and the agents that handle the busywork.

  • Risk-Smart KPIs that only exist when data is joined: vehicle safety, incident rate, job margin variance, first-time fix.
  • Forecasting tools. An AR aging model that projects 90 days forward and flags at-risk customers before they slip.
  • Bespoke automations & AI agents. Starting with the one most contractors want first: an agent that follows up on aged invoices, in your tone of voice.
Risk-Smart KPIs · joined-data only
Vehicle safety score
94 / 100
+6 vs last quarter
Telematics Payroll hours
Incident frequency (TRIR)
1.2
−0.4 YoY
Payroll Safety logs
Job margin variance
±3.4%
tight band
ERP Procurement Payroll
First-time fix rate
87%
+5 pts
Field service Customer records
AR aging model · forward 90 days Updated daily
Current 62% 30 days 22% 60 days 10% 90+ days 6%
Projected: 4 customers ($186k) likely to slip past 60 days. Auto-nudge queued.
Invoice follow-up agent
Custom-tuned to your tone · runs in the background
Agent
Detected 3 invoices over 45 days for Westfield Mechanical. Drafting follow-up using your standard template.
Sent · Email
Hi Mark, just a friendly check-in on invoices #4821, #4822, and #4823 ($23,400 total). Let us know if there's anything we can help reconcile on your end.
Agent · Update
Westfield replied. Payment scheduled Friday. Logged to your accounting system. No further action needed.
03 Phase · Risk management

Coverage priced on how you actually operate.

This is where the data work pays off. Your safety records, telematics, and job-site signal go directly to underwriters as evidence, not industry averages. We present your data to carrier partners so your coverage reflects how you actually operate.

  • Up to 30% premium reduction is typical for contractors who prove their operational discipline.
  • Coverage matched to your risk profile. Your operational data is presented to carrier partners so coverage reflects your actual operations, not industry averages.
  • Renewal confidence. Walk in with verified evidence, not a hope nothing went wrong this year.
Renewal proposal · sample contractor
Verified
New annual premium
$408,200
Down from $542k · saving $133.8k (−24.7%)
General liability −18% Field service + claims
Workers' compensation −31% Payroll + safety
Commercial auto −22% Telematics
Builder's risk flat Project log
Umbrella −14% Joined exposure
The founding team

Operators who
lived the problem.

Building Beltra in close partnership with Nodal's data infrastructure team, who have spent decades architecting analytics for the insurance industry.

Michael Monu
CEO & Co-Founder
Founded Barsala, scaled it to $22M ARR and successfully exited. Previously Operating Partner at BuildOps. Lived the data and insurance problems firsthand and now leads Beltra.
Michael Copley
CTO & Co-Founder
Built the systems and technology behind Barsala. Previously engineering at BuildOps and Microsoft. Thiel Fellow finalist. Now leads platform and integrations across Beltra.
Persia Hashemi
Founding Product Manager
Product at Barsala. Previously engineering at BuildOps. Now leads product at Beltra. 
Getting started

A low-friction path
to seeing your number.

01
30 min · No prep required

30-minute discovery call

We learn how your business runs today, what systems you use, and what's hurting most. No spreadsheets to fill out beforehand.

02
1 to 2 weeks · Free

Free data assessment

We map your current systems, identify integration paths, and estimate your specific insurance + AR opportunity in dollars.

03
30 to 60 days · Focused pilot

Run a focused pilot

If the numbers make sense, we run a focused pilot with one or two integrations. See results before any long-term commitment.

Your data is worth more
than you think.
Want to see your number?

We'd love to learn about your business and show you what your number could look like. No prep, no obligation, no credit pull.

team@dualdata.ai
What happens next
1
30-min discovery call
We learn your operations, current coverage, and what's hurting most.
2
Your number, in dollars
A free 1 to 2 week data assessment that quantifies your specific opportunity.
3
Pilot with proof
If it makes sense, run a 30 to 60 day pilot. If not, you keep the analysis.
No prep · No obligation dualdata.ai/start