A technical audit of your coverage architecture — because Ex-Mod drift, additional-insured gaps, and narrow Completed-Operations definitions are already deciding which projects you can bid and which ones you can't.
> Master GL in a hard market. Manuscripted Excess. CSLB-ready certificates. Surplus capacity for Design-Build and environmental exposures.
Initialize Technical ReviewTechnical Audit Points
Three examples of what we look for when auditing a California contractor's program. Any one of them can knock your firm out of a bid at certificate review — and our checklist runs longer than three.
We audit your ‘Additional Insured’ endorsements and ‘Waiver of Subrogation’ language against your prime contracts — and surface ‘Hammer Clauses’ that could void coverage during a multi-party dispute.
Turning your certificate from a deal-blocker into a green light.
We perform a technical review of your NCCI / WCIRB worksheets. We identify misclassified employees and past-claim errors that artificially inflate your Experience Modification rate — directly impacting your ability to win competitive bids.
Lowering your ‘cost of doing business’ through actuarial precision.
Standard GL policies often have narrow definitions for ‘Completed Operations.’ We manuscript your Strategic Layer to architect coverage for construction defects and faulty-workmanship claims that often arise years after a project is signed off.
Protecting your firm’s balance sheet from the legacy risks of past builds.
Coverage Stack
Admitted coverage keeps you on job sites. Surplus and manuscripted lines build protection for the project-specific risks your admitted carriers weren't written for.
Operational Readiness and Contractual Compliance.
Broad-form protection for bodily injury and property damage, engineered to meet standard CSLB and project-owner requirements.
“Satisfying the ‘ticket-to-play’ for California job sites.”
Statutory protection for your crews, with active classification auditing to keep your Experience Modification (Ex-Mod) rate low.
“Statutory excellence that protects your bidding power.”
Comprehensive coverage for service vehicles and heavy transit, integrated with modern telematics requirements.
“Securing the logistics of your operation.”
Project-Specific Risk Architecture.
High-limit towers (up to $50M+) designed to satisfy the aggressive indemnity requirements of commercial developers and tech-campus builds.
“Building the ceiling for your most ambitious projects.”
Specialized E&O for contractors performing ‘Design-Assist’ or in-house engineering — bridging the gap that standard GL excludes.
“Protecting the intellectual work behind the build.”
Affirmative coverage for high-value tools, heavy machinery, and Builders Risk for materials in transit or on-site.
“Engineering resilience into your physical assets.”
Essential riders for site prep, excavation, and mold / lead remediation risks.
“Defense against the invisible liabilities of the job site.”
Class codes, experience mods, additional-insured endorsements — every one of them moves the price of a bid or the enforceability of a certificate. We treat your insurance as a technical specification — so your risk architecture is as solid as the structures you build.
Initialize Technical Review
A specialist reviews your current program and responds with a coverage specification — not a sales call — within one business day.