For general contractors
Protect your downstream risk transfer on every project and trade.
Pikorua Security reads every subcontractor certificate and the endorsement pages behind it, checks them against the insurance exhibit in your subcontract, chases the sub's broker, and holds payment until the gaps close. Your PMs stop chasing paper. Your risk team stops guessing about tender acceptance.
Ridgeline Roofing Inc.
Harbor Point Medical Office · GL 7741-0093-22 · exp 03/01/2027
4/6
verified
Each occurrence
$1,000,000 required, $1,000,000 on policy
Per project aggregate
$2,000,000 for Harbor Point scheduled
AI, ongoing operations
Owner, GC and lender scheduled on page 3
AI, completed operations
Not attached. Exhibit B section 4.2 requires completed ops for 3 years after turnover
Primary & non-contributory
Found on page 5, owner and GC listed
Waiver of subrogation, GL
Box checked on the certificate, endorsement not attached
The GC risk landscape
Risk transfer fails quietly, in tiers, and usually after turnover.
Multi-tier subcontracting
Additional insured status flows down by contract, not by default. A tier 2 hauler working for your excavator has no relationship with you or the owner unless the excavator flowed your exhibit down and the hauler's policy answers it. CG 20 38 can extend automatic status to the owner, but only when the written construction agreement says so.
- OwnerHarbor Point Health Partners LLC
- General contractorCalder Brooks Builders Inc.
- Tier 1Granite Valley Excavating
- Tier 2Delmar Hauling LLC
Action over claims
A sub's employee is hurt on your site, collects workers' comp, then sues you as the GC. You tender to the sub's carrier and implead the sub under the indemnity clause. The claim now runs back to the employer that workers' comp was meant to protect.
Carriers answer with manuscript action over exclusions, employer's liability limits, and CG 21 39, which strips the indemnity you thought you bought. In New York, Labor Law 240 and 241 claims make action over exposure especially severe.
Why carriers reject tenders
- Completed operations claim, but only CG 20 10 (ongoing operations) was attached
- AI box checked on the certificate, no endorsement issued
- Named insured on the policy is a trade name, not the LLC that signed
- 07 04 and later wording covers you only for injury caused, in whole or in part, by the sub
- Policy carries CG 21 39 or CG 24 26 and the indemnity has nothing behind it
64%
of COIs claiming additional insured status fail to attach the CG 20 37 completed operations endorsement
IRMI Construction Risk Survey
$150,000+
average out-of-pocket litigation and SIR loss when an additional insured tender is rejected
IRMI Construction Risk Analysis
Project manager workflow
Eliminate 10+ hours per week of manual COI collection per project team.
A project team onboarding and renewing 30 subcontractors sees 15 to 20 certificate packets a week once resubmissions are counted. At 25 to 40 min per packet, that is roughly 6 to 13 hours of reading before anyone calls a broker. Pikorua Security takes the reading, the chasing and the renewal tracking off the PM entirely.
| Task | Manual, per project team | With Pikorua Security |
|---|---|---|
| Request certificates from new subs | PM emails the sub, attaches Exhibit B, follows up twice, forwards whatever arrives to the risk team. | Invite goes to the sub and its broker the moment the commitment is created in Procore. |
| Read the endorsement pages | 25 to 40 min per packet (CFMA Time Study), usually by a project engineer who was hired to build. | Form numbers, edition dates and schedules extracted and matched in about 15 seconds per packet. |
| Compare against the subcontract exhibit | Side-by-side reading of Exhibit B and a 6 to 12 page PDF, repeated for every sub on every project. | Exhibit B becomes a rule set once. Every upload runs against it, by project and by tier. |
| Chase the broker | Phone tag through the sub to its retail agent. 28 days average cycle (Pikorua Security Benchmark Data). | Specific deficiency checklist to the sub and broker together, zero-login upload. 4.2 days average resolution. |
| Track renewals | Expiry column in a spreadsheet. 25% to 35% of policies lapse mid-project unnoticed (Pikorua Security Benchmark Data). | 60/30/15/0 day cadence starts on its own and stops when the renewal verifies. |
| Release payment | Accountant asks the PM, the PM searches email, the pay app waits. | Hold set or cleared on the commitment automatically, with the reason visible to accounting. |
Subcontractors never create an account. They and their brokers receive one link per request, upload the missing endorsement, and see exactly which line of your exhibit it satisfies. That keeps onboarding fast for trade partners who juggle a dozen GCs' portals.
Two different questions
Pre-qualification is not project compliance.
Pre-qualification asks whether a firm can carry the risk at all: carrier ratings, limits against your master subcontract agreement, employer's liability, safety record. It happens once a year, before the bid list goes out.
Project compliance asks whether this scope, for this owner, is insured today. The owner and lender must be scheduled, the project designated for its own aggregate under CG 25 03, completed operations attached, and the policy term must outlast the schedule. A sub can pass prequal in January and still be uninsured for your project in October.
Pikorua Security keeps both views on one vendor record, so a prequal approval never stands in for a project check.
| Bidder | GL carrier AM Best | GL limits | EL each accident | EMR | Decision |
|---|---|---|---|---|---|
| Summit Steel ErectorsStructural steel | A+ XV | $1M / $2M | $1,000,000 | 0.82 | Approved to bid |
| Keystone Mechanical LLCHVAC & mechanical | A XII | $1M / $2M | $1,000,000 | 0.96 | Approved to bid |
| Ridgeline Roofing Inc.Roofing | A- VIII | $1M / $2M | $500,000 | 1.12 | Conditional: EL below MSA |
| Delmar Hauling LLCHauling | B++ IX | $1M / $2M | $1,000,000 | 1.31 | Not approved: carrier below A- VII |
| Clearspan Glazing Inc.Glazing | A X | $1M / $2M | $1,000,000 | 0.88 | Approved to bid |
Company-level answer to one question: can this firm carry the risk? Checked once a year against your master subcontract agreement minimums, carrier ratings (A- VII or better) and EMR you collect on the prequal form.
Harbor Point Medical Office
Job 2214 · Baltimore, MD
Roofing
Ridgeline Roofing Inc.T1
CG 20 37 missing; CG 24 04 not attached
Deficient Payment holdCornerstone Sheet Metal LLCT2
Under Ridgeline Roofing Inc.. Flow-down exhibit sent 10/12, awaiting first certificate
Pending
Structural steel
Summit Steel ErectorsT1
All 9 rules verified 09/22/2026
CompliantIronbridge Welding Co.T2
Under Summit Steel Erectors. GL expires 11/01/2026, day 30 renewal request sent
Expiring
Electrical
Brightwire Electric Inc.T1
Verified 10/02/2026, umbrella follows form
Compliant
HVAC & mechanical
Keystone Mechanical LLCT1
Named insured reads Keystone Mech. Services, not the contracting LLC
Deficient Payment hold
Westfield Logistics Center Ph. 2
Job 2231 · Columbus, OH
Excavation & sitework
Granite Valley ExcavatingT1
XCU exclusion removed by endorsement, verified
CompliantDelmar Hauling LLCT2
Under Granite Valley Excavating. Auto $750,000 CSL, exhibit requires $1,000,000
Deficient Payment hold
Concrete
Pioneer Concrete WorksT1
Umbrella renews 10/31/2026, day 15 reminder queued
Expiring
Fire protection
Sentinel Fire Protection Inc.T1
Verified 10/08/2026
Compliant
Cedar Row Apartments
Job 2240 · Raleigh, NC
Drywall & framing
Tri-State Drywall & FramingT1
CG 21 39 contractual liability limitation on policy
Deficient Payment hold
Plumbing
Northfork Plumbing Co.T1
Verified 09/30/2026
Compliant
Glazing & curtain wall
Clearspan Glazing Inc.T1
Broker upload received 10/15, endorsements parsing
Pending
Painting & coatings
Evergreen Coatings LLCT1
Verified 10/05/2026
CompliantPrecision Prep ServicesT2
Under Evergreen Coatings LLC. AI shown in certificate remarks only, no endorsement
Deficient
Project compliance board
Every project, trade and tier on one screen.
Filter by project, status or name, and switch tier 2 sub-subs on or off. Deficient subs with open pay applications show the hold that is protecting you. Project executives see the roll-up; PMs see the three items that need a call today.
- Roll-ups by project, trade, region and entity
- Holds mirrored from Procore commitments and CMiC subcontracts
- Exports of the full audit trail for any sub, any date
Worked example
A $50M general contractor with 150 active subcontractors a year.
At the 71% first-review defect rate (AGC Risk Committee Audit), about 106 of those subs hold a defective certificate. Reviewing and chasing each one takes about 4 hours a year across initial review, renewals and follow-up: 600 hours of PM time. Any one of the 106 can turn into a rejected tender and $150,000+ of SIR exposure.
- non-compliant subcontractors in active files
- ~106
- non-compliant subcontractors in active files
- 150 subs at a 71% defect rate
- a year of PM payroll spent reviewing and chasing
- $27,000
- a year of PM payroll spent reviewing and chasing
- 600 hours at $45/hr loaded
- a year for Pikorua Security Professional
- $8,388
- a year for Pikorua Security Professional
- $699/mo billed annually
- administrative hours recovered every year
- 520
- administrative hours recovered every year
- Pikorua Security worked example
Construction systems
Holds live where your accountants already work.
Procore
How the Procore sync worksWhen a commitment is created in Procore, Pikorua Security invites the sub and its broker, attaches the project's exhibit rules and writes compliance status back to the company record. A deficient sub gets a hold on its commitment; the hold clears itself when the broker's upload verifies.
- Directory companies
- Commitments
- Subcontractor invoices
- Insurance expiry
CMiC
How the CMiC sync worksPikorua Security reads vendors and subcontracts from CMiC and writes compliance status and expiry dates back. Accounts payable sees the hold reason on the subcontract before the payment run, not after.
- Vendors
- Subcontracts
- AP payment holds
- Expiry dates
Autodesk Construction Cloud
How the Autodesk Construction Cloud sync worksCompanies in an ACC project directory map to Pikorua Security vendors, so a sub added to a project is checked against that project's exhibit. Compliance status sits next to the company name for the project team.
- Project companies
- Project directory
- Compliance status
Pikorua Security found completed operations gaps in subs we had already approved. Our PMs stopped chasing brokers, and when a claim lands the tender packet is already built.
Keep reading
Go deeper on GC risk transfer.
Endorsement guides
FAQ
Questions GC risk teams ask first.
Pikorua Security is an automated compliance verification software platform. Pikorua Security does not provide legal advice, insurance underwriting, or claims adjusting services, and is not an insurance agency or broker. Receipt of a certificate of insurance does not guarantee coverage under the underlying policy.
Talk to salesDoes Pikorua Security read the endorsement pages or only the ACORD 25?
How do you handle sub-subcontractors at tier 2 and below?
Can Pikorua Security hold payment in Procore or CMiC?
What changes on an OCIP or CCIP wrap-up project?
Does Pikorua Security decide whether a tender will be accepted?
14-day free production trial
Find the completed operations gaps before a claim does.
Upload a current project's subcontractor certificates. Pikorua Security shows every missing endorsement, wrong named insured and short limit in about 10 minutes.