Rule book
Eighteen rules. Every one of them is a SQL predicate you can read.
Severity and remediation text are stored as data rather than compiled into the application, so a rule can be re-tuned without a deploy. A finding is produced when the predicate is true. There is no threshold to tune, no score, and no model that could return a different answer tomorrow on the same inputs.
coverage
Two consecutive policy periods do not meet. Any work performed inside the break is uninsured retroactively and no later certificate closes it.
Remedy Obtain written confirmation from the broker of coverage across the gap, or a retroactive endorsement. If neither exists, record the exposure and price it into closeout.
Work performed before the policy inception is uninsured retroactively. No later certificate closes a gap that has already been worked through.
Remedy Obtain written confirmation of prior coverage for the gap period, or a retroactive endorsement from the carrier.
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.
Remedy Suspend the subcontractor's access and require a reinstated certificate showing continuous coverage before work resumes.
This is the alert that stops work. A crew is scheduled inside a window in which the general liability policy is not in force.
Remedy Remove the crew from the schedule or obtain a reinstated certificate before the activity start date.
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.
Remedy Require an endorsement raising the limit, or an umbrella that sits over the primary and closes the difference.
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.
Remedy Require a corrected certificate showing the full excess tower, including any layers written by a second carrier.
Employer's liability limits below the subcontract requirement expose the owner to an action-over claim brought by an injured worker.
Remedy Require a corrected workers compensation certificate before further site access.
Certificates are routinely renewed late. Thirty days is the shortest window in which a renewal certificate can normally be produced without stopping work.
Remedy Request the renewal certificate from the subcontractor's broker now and diary it for the expiry date.
completeness
No certificate has ever been received for this subcontract, so there is no evidence of any coverage at all.
Remedy Withhold the next payment application and require the certificate before further work.
Workers compensation is statutory. An uninsured subcontractor makes the owner a statutory employer in most states.
Remedy Suspend site access until the certificate or a state self-insurance authorisation is produced.
Work performed while unlicensed can be unrecoverable by the subcontractor and can expose the owner to permit and inspection problems.
Remedy Require proof of renewal and confirm the number on the state board register before the next payment.
Trade contractors operate vehicles and equipment on site. Without an auto certificate the owner cannot show the exposure was transferred.
Remedy Request the automobile liability certificate from the subcontractor's broker.
Unlicensed work is unenforceable in most states and can void the subcontract.
Remedy Obtain the current state license and verify the number against the state board register.
Without a W-9 the payment cannot be reported correctly and backup withholding may be required.
Remedy Request the W-9 with the next payment application.
endorsement
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.
Remedy Require the CG 20 10 and CG 20 37 endorsement forms, not merely a checked box on the certificate.
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.
Remedy Require primary and non-contributory wording on the endorsement, referencing the subcontract.
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.
Remedy Require the waiver of subrogation endorsement on both general liability and workers compensation.
administration
A certificate issued to the wrong entity does not put the contracting party on notice of cancellation and is evidence of coverage for someone else.
Remedy Require a reissued certificate naming the contracting entity exactly as it appears on the subcontract signature block.