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 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.
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.
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.
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.