US Construction Insurance Compliance & Audit Defense

Forensic Subcontractor COI & ISO Endorsement Verification in 8 Seconds

An “X” in the ACORD 25 Additional Insured box confers zero legal rights during carrier litigation or an annual Workers’ Compensation premium audit. EndorseLock deterministically inspects ACORD 25 certificates, backing ISO endorsements (CG 20 10, CG 20 37, CG 20 38, CG 20 01, CG 24 04, WC 00 03 13), and Policy Schedules of Forms (IL 12 01) to stop $15,000+ uninsured 1099 subcontractor audit surcharges across all 50 US states.

Transparent Self-Serve US Pricing (No Annual Contracts)

  • Builder Plan — $79/month (or $690/year): 40 audited subcontractor scans/month, Two-Tier Schedule of Forms (IL 12 01) audit, automated broker deficiency cure emails, 1099 CSV roster & draw-hold tracking, cryptographic Draw Clearance stamps, and 1-click Annual Carrier Audit ZIP Binder.
  • Commercial GC Plan — $149/month (or $1,290/year): 150 audited subcontractor scans/month, everything in Builder Plan plus QuickBooks Online AP bill & exposure sync, automated 30/14/7/1-day policy renewal chasers, Two-Tier high-risk trade gatekeeper, and unlimited public verification certificates.
  • Broker Partner Co-Brand Plan — $299/month: 500 audited subcontractor scans/month, everything in Commercial GC plus full insurance agency co-branded portals & emails, custom agency Reply-To & support routing, and priority partner audit support.

Frequently Asked Questions on Subcontractor COI & Carrier Audits

Does an ACORD 25 Certificate of Insurance prove a subcontractor has Additional Insured coverage?

No. The ACORD 25 explicitly states at the top that it is issued as a matter of information only and confers no rights upon the certificate holder. Even if the ADDL INSD or SUBR WVD boxes are checked, a General Contractor must collect and verify the actual backing ISO endorsement forms (such as CG 20 10 for ongoing operations, CG 20 37 for completed operations, and CG 24 04 for waiver of subrogation) to prevent claim denials and Workers' Comp audit surcharges.

What happens during a Workers' Comp audit if a subcontractor's COI expired before a check was paid?

During an annual Workers' Compensation and General Liability premium audit, the carrier auditor inspects every check paid to 1099 subcontractors. If a subcontractor's policy lapsed prior to payment or lacked valid coverage, the auditor reclassifies 100% of the labor paid to that subcontractor as the General Contractor's own uninsured direct payroll, resulting in immediate audit back-premiums of 10% to 28% of the subcontract value.

How much does EndorseLock cost compared to myCOI, Jones, Billy, or CertFocus?

Legacy enterprise COI tracking platforms typically require annual contracts between $4,500 and $15,000+ per year and weeks of onboarding. EndorseLock is 100% self-serve starting at $79/month (or $690/year) for the Builder Plan, $149/month ($1,290/year) for the Commercial GC Plan, and $299/month for the Broker Partner Co-Brand Plan, with instant 8-second verification of both ACORD 25 certificates and underlying policy endorsements.

What is the difference between ISO CG 20 10 and CG 20 37?

ISO CG 20 10 covers ongoing operations, terminating the moment the subcontractor leaves the jobsite. ISO CG 20 37 covers completed operations—protecting you against construction defects, water leaks, or structural failures that manifest months or years after project turnover. General Contractors must mandate both forms.

What is the Schedule of Forms (IL 12 01) and why is it mandatory for high-risk trades?

The Schedule of Forms (IL 12 01) is the master table of contents for an insurance policy binder. Insurance companies slip catastrophic exclusions (such as Action-Over, Residential, or CG 22 94 Subcontractor Work exclusions) onto page 28 of the policy while keeping the ACORD 25 clean. By auditing the Schedule of Forms, EndorseLock catches these hidden exclusions before you release a draw.

How does EndorseLock prevent unauthorized draw or check releases for unverified subcontractors?

Import your 1099 vendor CSV from QuickBooks, Sage, Procore, or Excel in one click. When a subcontractor is flagged with expired coverage or missing ISO endorsements, EndorseLock places an immediate Draw Payment Hold on their open balance and blocks Draw Clearance Certificate issuance until a compliant policy is audited and cryptographically stamped.