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.
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.
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.