Subcontractor coverage documented across service dates
Not a certificate collected at contract signing that lapsed in month four. Continuous coverage mapped against every payment.
For Insurance Brokers
Help your client arrive with the records in order.
Accounting support for payroll detail, subcontractor documentation and the premium audit file. Coverage, policy structure and insurance advice stay with your team.
Partner handoffA clear working relationship
- Payroll records
- 01
- Coverage documentation
- 02
- Audit support
- 03
Illustrative structure. Your scope is agreed together.
The responsibilities stay clear
No referral fees in either directionNo revenue sharingScope agreed with the client
What we build
The records the auditor is going to ask for
Labor and material stated separately
On subcontractor invoices, which preserves the material deduction on any sub whose coverage does come up short.
Hours coded to classification at the time entry level
Class separation requires actual records of hours and work performed. Estimated allocation isn't accepted.
Overtime separated from regular wages
By employee and by class, which is what the exclusion requires.
Officer payroll flagged
Against the state cap, and excludable compensation categories mapped at the payroll item level rather than adjusted at year end.
The audit package assembled before the policy expires
Including an exception log listing every known gap and its cause, so nothing gets found rather than presented.
Where the line is
What this is and isn't
We produce records. We don’t place coverage, advise on coverage, or represent that premium will be reduced. Proper documentation supports the exclusions your client is already entitled to and prevents exposure being added that doesn’t belong there. Coverage questions, program structure, and disputes over the audit result stay with you.
The return
Why it's worth your time
Fewer disputes to manage. Fewer hours spent arguing a result after the fact. Fewer accounts shopping their coverage after a bad audit. And an account with clean records is easier to market and quote competitively.
A clear working relationship
No referral fees
Neither direction. Our client rewards program is for contractors referring contractors and does not extend to professional partners.
Make the introduction
Tell us where
the client needs help.
An introduction starts a conversation. The free Financial Risk Assessment is required before either side commits, and the contractor keeps the findings and the plan.