How to Read a Contractor's Certificate of Insurance (COI): A GC's Verification Guide
Learn how to read and verify a contractor's certificate of insurance. ACORD 25 breakdown, fake COI red flags, coverage limits, and free downloadable checklist.
Expert guides on California contractor licensing, federal compliance, and subcontractor vetting. Each article includes statute citations and current penalty amounts.
Learn how to read and verify a contractor's certificate of insurance. ACORD 25 breakdown, fake COI red flags, coverage limits, and free downloadable checklist.
First-ever cross-reference of all California contractor licenses against OSHA, DOL, SAM.gov & EPA databases. 13,474 missing required insurance. Full data by trade, county, and year.
A sub's WC lapse mid-project makes the GC the statutory employer of their workers. Learn the legal exposure, real costs, and how continuous monitoring prevents it.
Spreadsheet-based COI tracking fails at scale. Learn how expired COIs, data entry errors, and missing audit trails expose GCs to uninsured claims and failed bids.
A composite case study of a GC who hired an unlicensed sub and lost $453K+. Covers the legal consequences, how it happens, and how to prevent it with proper vetting.
Step-by-step CSLB license verification guide for California. Check contractor status, workers' comp, bonds, and red flags before hiring any contractor.
Use EPA ECHO to vet contractors. Covers NPDES stormwater permits, Clean Water Act violations, RCRA hazardous waste, and penalties up to $70K/day.
DOL back wage orders explained for contractors. Covers FLSA overtime, Davis-Bacon prevailing wages, penalties up to $14K, debarment risk, and how to check records.
Spot contractor red flags in SAM.gov, OSHA, DOL & EPA ECHO. Severity framework shows which violations should disqualify subcontractors.
Free 40+ item subcontractor prequalification checklist. Covers EMR thresholds, bonding, insurance, safety records, and red flags to watch before hiring.
OSHA can cite GCs for subcontractor safety violations under the multi-employer policy. Learn the 4 employer types, defense factors, and how to vet subs.
California workers' comp requirements for contractors. Covers SB 216, 2028 deadline, exemptions for no employees, costs $500-5K/yr, and penalties up to $100K.
Learn all 6 OSHA violation types and 2025 penalty amounts. Covers willful ($165K), serious ($16.5K), repeat, failure to abate, and Cal/OSHA differences.
What SAM.gov debarment means for contractors. Step-by-step guide to searching the exclusion database, plus why GCs must verify subcontractors.
All 44 CSLB license classifications explained. Class A, B, and C-specialty codes with requirements, fees, exams, and the complete D-subcategory list.
One search. Six data sources. 19 seconds.
CSLB + SAM.gov + OSHA + DOL + EPA + building permits—aggregated, timestamped, and ready for your compliance files. No more hunting across government portals.
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