Exception ledger
Sorted by severity, then by the contract value standing behind the finding. A rule either fires or it does not; there is no score and nothing is ranked by a model.
Earliest certificate on file begins 9 days after notice to proceed, leaving an uninsured window at the start of the work
Why it matters Work performed before the policy inception is uninsured retroactively. No later certificate closes a gap that has already been worked through.
General liability certificate expired 23 days ago
Why it matters A lapsed general liability policy means the subcontractor's work is uninsured. Any loss during the gap falls back on the owner's policy and the owner's deductible.
20 workers scheduled for "Roof membrane, section C" from Sep 09 while general liability is lapsed
Why it matters This is the alert that stops work. A crew is scheduled inside a window in which the general liability policy is not in force.
General liability certificate expired 14 days ago
Why it matters A lapsed general liability policy means the subcontractor's work is uninsured. Any loss during the gap falls back on the owner's policy and the owner's deductible.
Gap of 18 days in general liability coverage between Apr 03 2026 and Apr 22 2026
Why it matters Two consecutive policy periods do not meet. Any work performed inside the break is uninsured retroactively and no later certificate closes it.
Workers compensation certificate has never been received for this subcontract
Why it matters Workers compensation is statutory. An uninsured subcontractor makes the owner a statutory employer in most states.
Gap of 29 days in general liability coverage between Apr 12 2026 and May 12 2026
Why it matters Two consecutive policy periods do not meet. Any work performed inside the break is uninsured retroactively and no later certificate closes it.
Umbrella limit is $5,000,000 against a required $10,000,000
Why it matters Excess limits are what respond to a serious injury or a structural loss. A short umbrella is the single most common way a subcontract's insurance exhibit is quietly not met.
Umbrella limit is $2,500,000 against a required $5,000,000
Why it matters Excess limits are what respond to a serious injury or a structural loss. A short umbrella is the single most common way a subcontract's insurance exhibit is quietly not met.
Additional insured endorsement is required by the subcontract and is not shown on the certificate
Why it matters Without additional insured status the owner has no direct right to the subcontractor's policy and must tender through indemnity, which is slower and contestable.
Certificate holder reads "Meridian Builders" rather than the contracting entity
Why it matters A certificate issued to the wrong entity does not put the contracting party on notice of cancellation and is evidence of coverage for someone else.
Workers compensation each-accident limit is $0 against a required $1,000,000
Why it matters Employer's liability limits below the subcontract requirement expose the owner to an action-over claim brought by an injured worker.
GL per-occurrence limit is $1,000,000 against a required $2,000,000
Why it matters The certificate on file carries a lower per-occurrence limit than the subcontract requires. The shortfall is uninsured exposure the owner assumed without agreeing to it.
Workers compensation each-accident limit is $500,000 against a required $1,000,000
Why it matters Employer's liability limits below the subcontract requirement expose the owner to an action-over claim brought by an injured worker.
Additional insured endorsement is required by the subcontract and is not shown on the certificate
Why it matters Without additional insured status the owner has no direct right to the subcontractor's policy and must tender through indemnity, which is slower and contestable.
State contractor license expired 41 days ago
Why it matters Work performed while unlicensed can be unrecoverable by the subcontractor and can expose the owner to permit and inspection problems.
Waiver of subrogation is required by the subcontract and is not shown on the certificate
Why it matters Without a waiver, the subcontractor's carrier can pay its insured and then sue the owner to recover, which converts a covered loss into a dispute.
Waiver of subrogation is required by the subcontract and is not shown on the certificate
Why it matters Without a waiver, the subcontractor's carrier can pay its insured and then sue the owner to recover, which converts a covered loss into a dispute.
Primary and non-contributory wording is required by the subcontract and is not shown
Why it matters If the subcontractor's policy is not primary, both carriers share the loss and the owner's policy is drawn into a claim it was meant to sit behind.
State contractor license has never been received for this subcontract
Why it matters Unlicensed work is unenforceable in most states and can void the subcontract.
General liability certificate expires in 12 days
Why it matters Certificates are routinely renewed late. Thirty days is the shortest window in which a renewal certificate can normally be produced without stopping work.
Form W-9 has never been received for this subcontract
Why it matters Without a W-9 the payment cannot be reported correctly and backup withholding may be required.