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Project & labor compliance · Insurance tracking
Insurance & COI tracking
Certificate-of-insurance collection and expiration tracking for every sub on every project, plus OCIP/CCIP wrap-up documentation, with coverage gaps routed straight to your broker before they become a stop-work order.
Why it matters
A subcontractor's certificate lapses mid-project and nobody catches it until a claim hits, and then it is the general contractor's own carrier standing behind the loss because the additional-insured endorsement that was supposed to prevent that never got read past the declarations page. On OCIP/CCIP wrap-ups, a sub who falls out of enrollment or lets a required endorsement expire is technically off the program, and the gap defaults back onto the GC's own policies without warning. A folder of PDFs checked against a spreadsheet catches this after the fact, if at all.
How we do the work
Method
Collect at subcontract execution
Certificates are collected against the subcontract's actual insurance clause before the sub mobilizes: ACORD 25 for general liability and auto, ACORD 28 for property where the contract requires it, endorsement pages included, not just the summary declarations page.
Verify past the declarations page
Limits, additional-insured status, waiver of subrogation, and primary/non-contributory wording are checked line by line against what the subcontract actually calls for, not assumed from the certificate's face.
Run the expiration calendar
Every policy on every active project is dated and diaried, with renewal certificates requested and logged before the prior one lapses, not after a claim exposes the gap.
Track the wrap-up separately
OCIP/CCIP enrollment status, carved-out coverages such as pollution or professional liability, and deductible buy-back documentation are tracked apart from standalone COIs and matched to the wrap administrator's own enrollment file. On projects where the owner runs compliance through a portal like B2Gnow, documentation is filed to match what that system already expects.
Flag the gap, route it out
A lapsed certificate, a missing endorsement, or a limit short of the contract requirement is flagged and sent to your broker of record for resolution. We identify and route; we do not price, place, or advise on the fix.
The gate
The review gate
This line is held to the same standard as the compliance flagship: checked, reconciled, and held back the moment something doesn't add up.
Request a compliance reviewWhat you receive
Deliverables
- Live certificate register per project, status per sub (compliant, gap, expired)
- Expiration calendar with staged alerts before renewal dates lapse
- OCIP/CCIP enrollment and carve-out tracking file, reconciled to the wrap administrator's records
- Gap-flag log routed to your broker of record with resolution status
- Renewal certificates collected and re-filed on receipt, not chased after the fact
- Audit-ready COI file per project, organized by sub, current and historical
COI tracking is sold as a component of Roster & Payables Monitoring, not as a standalone line: $575 per month for 1 to 10 subs, $875 for 11 to 25, $1,375 for 26 to 50, and $1,375 plus $22 per sub per month above 50 on the commercial tier; $850, $1,600, $2,800, and $2,800 plus $50 per sub per month above 50 on the public-works tier. Configure this service and see your estimate in the engagement builder.
Pricing & scopeQuestions contractors ask
Common questions
Will you tell us if a sub's coverage limits are enough?
No. We check whether the certificate matches what the subcontract requires and whether it is current. Whether the limits themselves are adequate is a broker or risk-management judgment, and that call stays with your broker of record.
Do you handle OCIP/CCIP enrollment itself?
We track enrollment status and carve-outs against the wrap administrator's own records and flag gaps. Enrolling a sub, or disputing a coverage determination, runs through your OCIP/CCIP administrator, not us.
What actually happens when you flag a gap?
The specific deficiency, a lapsed date, a missing endorsement, a short limit, goes to your broker of record. We do not take further action, price anything, or contact the sub's carrier until your office or your broker directs it.
Aeternus Dynamics uses AI-assisted tools to help prepare and check compliance documents; all deliverables are reviewed by a qualified human before submission or use. Aeternus Dynamics is not a law firm and does not provide legal advice. See our Terms & Disclosures.
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Select your services, see the scope and price, and sign in one sitting, or start with the free, no-obligation audit of your last filing.
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