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← Coral Bay Surgical Center

Quarry Ridge Concrete

At risk

Structural Steel · SC-CBS-2405-027 · $3,900,000 · notice to proceed Dec 22, 2025

Coverage against the subcontract exhibit

The right-hand column is what the executed subcontract requires. The left is what the certificate on file actually says, and where it was read from.

CoverageOn the certificateRequiredRead from
General liability, each occurrence$1,000,000$1,000,000meetscoi_gl_27_208.pdf p.1
General liability, aggregate$2,000,000$2,000,000meetscoi_gl_27_208.pdf p.1
Automobile, combined single limit$1,000,000$1,000,000meetscoi_auto_27_209.pdf p.1
Workers compensation, each accident$1,000,000$1,000,000meetscoi_wc_27_210.pdf p.1
Umbrella / excess$5,000,000$5,000,000meetscoi_umbrella_27_211.pdf p.2
Additional insured endorsementshownrequiredmeetscoi_gl_27_208.pdf p.1
Waiver of subrogationshownrequiredmeetscoi_gl_27_208.pdf p.1
Primary and non-contributoryshownrequiredmeetscoi_gl_27_208.pdf p.1
Certificate holderMeridian BuildersCoral Bay Health Properties Incshortcoi_gl_27_208.pdf p.1

General liability, period by period

Continuity is judged across the whole chain, not off the current certificate. A break between two periods is uninsured work that no later certificate closes.

PeriodCarrierPolicyEffectiveExpiresContinuity
1The HartfordGL-7924562-P0May 17, 2025May 17, 2026first on file
2The HartfordGL-7924562May 17, 2026May 17, 2027continuous

Findings

HighCOI-HOLDER-MISMATCHCertificate holder is not the contracting entity

Certificate holder reads "Meridian Builders" rather than the contracting entity

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.

observed Meridian Buildersrequired Coral Bay Health Properties Incsource coi_gl_27_208.pdf p.1

Documents on file

KindFileReceivedExpiresStatusDays on file
coi_glcoi_gl_27_208.pdf p.1 of 2May 7, 2026May 17, 2027current87
coi_autocoi_auto_27_209.pdf p.1 of 2May 9, 2026May 17, 2027current85
coi_wccoi_wc_27_210.pdf p.1 of 4May 9, 2026May 17, 2027current85
coi_umbrellacoi_umbrella_27_211.pdf p.2 of 4May 9, 2026May 17, 2027current85
w9w9_27_212.pdf p.1 of 3Dec 10, 2025—no expiry193
business_licensebusiness_license_27_213.pdf p.1 of 3Dec 7, 2025Sep 5, 2027current195
safety_programsafety_program_27_214.pdf p.2 of 2Dec 13, 2025—no expiry190