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.
Earliest certificate on file begins 9 days after notice to proceed, leaving an uninsured window at the start of the work
Why it matters Work performed before the policy inception is uninsured retroactively. No later certificate closes a gap that has already been worked through.
General liability certificate expired 92 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 83 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 18 days in general liability coverage between Apr 03 2026 and Apr 22 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.
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.
General liability certificate expired 57 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 1 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 8 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 6 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.