For businesses
Your paperwork decides your premium.
Two services, one purpose: that the number on your audit reflects the work you actually did. We keep the subcontractor file current all year, then hand the auditor a record that holds up.
Start a compliance reviewService 01
A certificate proves less than you think.
A certificate of insurance proves one thing: a policy existed on the day it was printed. It says nothing about today — and nothing about the day the auditor opens your file.
So we don’t collect certificates. We check every subcontractor against Florida’s Proof of Coverage and Exemption databases — the state’s own record of who is covered and who is not. Public state data. Nothing to chase, and nothing we need from you to start.
See it on your own subs — freeWhat it costs when a sub cannot prove coverage
At audit, a subcontractor you cannot prove carried coverage is picked up as your own payroll — and rated at their trade rate, not your supervisory rate. On $75,000 of subcontract labor, $638 becomes $5,767, on work that was finished and paid for a year ago.
An illustration of how uninsured-subcontractor payroll is picked up at audit — not a quote, and not a prediction of any specific audit result.
Service 02
Prepared the way an auditor asks for it.
An audit is a records exercise. Disorganized records take longer, invite assumptions, and assumptions rarely land in your favor.
We assemble the file in the auditor's order, flag anything they will question, and tell you plainly where you are exposed before they do.
My audit is scheduled →Handled remotely, wherever you are.
Certificate tracking and audit preparation are records work, handled remotely — so where you are does not decide whether we can take it on.