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 7 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.
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.
State contractor license expired 109 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.
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.
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.