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 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.
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.
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.