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
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.
What you receive
- 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 runs as a compliance-admin module at an anchor rate of $249 a month. Active project and subcontractor counts are confirmed in the countersigned engagement. Configure this service and see your estimate in the engagement builder.
Questions contractors ask
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.