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.
General liability certificate expired 81 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.
General liability certificate expired 4 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 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.
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.
General liability certificate expires in 1 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.