01
Dedicated Broker Ingestion
Each corporate entity receives a dedicated certificate inbox powered by the FailSafe Email System. Brokers email certificates directly; FailSafe automatically matches the trade partner and creates an intake record.
Executive briefing for general contractors/FailSafe 2.0
Your cert program provides the appearance of protection. Coverage counsel finds the reality.
Cert managers approve certificates because they look right. Coverage counsel approves nothing—they wait until a seven-figure bodily injury claim occurs, open the policy endorsements, and deny defense. FailSafe conducts adversarial policy inspection before subcontractors set foot on the jobsite.
Not Approved. Compliant.
- Construction Risk Defense
- Coverage-first review
- Deep Endorsement Auditing
- Schedule of forms
- Automated Broker Remediation
- Itemized notices
- Multi-Project Job Ledger
- Portfolio oversight
GC Compliance Command
Multi-project oversight
ProjectPolicy reviewStatus
Perimeter Medical Arts Tower12 reviewed
2 deficienciesAction required
2 deficienciesAction required
Northline Distribution Center18 reviewed
0 deficienciesCompliant
0 deficienciesCompliant
Canyon Ridge Residential9 reviewed
1 exclusionBroker review
1 exclusionBroker review
“FailSafe and coverage counsel are looking for the same things in the same documents. The difference is when they find them and whose interest they serve.”
Live comparison / policy submission 0248
The Reality Check Simulator
Inspect an actual subcontractor submission for Summit Structural Steel LLC. See what standard tracking tools see versus what FailSafe uncovers.
Subcontractor submission under review
Summit Structural Steel LLC
Trade: Structural Steel Fabrication & Erection/Project: Perimeter Medical Arts Tower
Assessment result
FATAL EXCLUSION DETECTED
ACORD 25 Certificate Face
General Liability (Occurrence)$1,000,000
General Aggregate$2,000,000
Umbrella / Excess$5,000,000
Additional Insured Box[X] CHECKED
Waiver of Subrogation[X] CHECKED
Extracted certificate face / page 1
Schedule of Forms & Endorsement Audit
FLAGGED: ENDORSEMENT CG 21 39 (MODIFIED)
“Exclusion — Bodily injury to any employee of any insured arising out of and in the course of employment.”
The Legal Reality: This Third-Party Action Over exclusion eliminates coverage when the subcontractor's ironworker falls on your jobsite and sues you. Demands routinely exceed $3,000,000.
Your additional insured status is completely worthless for the most expensive claim type in construction.
FailSafe Automated Action:Itemized Deficiency Notice Dispatched to Broker
Real construction case precedents
The 5 Fatal Gaps Found in Real Subcontractor Policies
These are not hypothetical scenarios. They are exclusions found in policies that looked completely compliant on the ACORD certificate and were signed off by traditional cert managers.
- 01FATAL
The Residential / Tract Exclusion
Forms: CG 21 34 • Proprietary Schedules
Lives on page 3 or 4 of the Schedule of Forms. Carriers exclude tract homes, developments over 10 units, or condominiums. The single most common gap found and closed for homebuilders.
- 02FATAL
Third Party Action Over Exclusion
Forms: CG 21 39 Modified • Labor Law Excl.
Eliminates bodily injury defense for lawsuits by your subcontractor's own employees—the #1 most expensive construction claim. A cert can look 100% compliant while this exclusion nullifies defense.
- 03FATAL
The Subsidence & Soils Exclusion
Forms: Earth Movement • Subsidence SE-101
Standard in excavation and earthwork policies. Excludes trench collapse, foundation cracking, and soil movement. Being an additional insured on a policy that excludes the claim type provides zero protection.
- 04FATAL
Dangerous Cross Suits Clause
Forms: Deceptive Cross Suits CS-02
While named-insured-vs-named-insured is standard, deceptive versions exclude claims between a named insured and an additional insured. It completely bars you from tendering against your sub.
- 05FATAL
Completed Operations Sunset Gap
Forms: CG 20 10 (without CG 20 37)
Packaged AI endorsements include ongoing operations but silently drop completed operations. Under statutes of repose (e.g. 8 years in Arizona), you are left completely exposed after project completion.
The FailSafe advantage / step 01
Adversarial Policy Inspection
FailSafe reads policies the way coverage counsel reads them: looking for every weakness. Every submission is analyzed against legal databases before subcontractors touch the jobsite.
Enter Contractor PortalCoverage standard inspection
Endorsement-level control
Certificate face extracted01
Schedule of forms reconciled02
Modified endorsements inspected03
Project standards applied04
Deficiency routed to broker05
Broker remediation / step 02
Automated Coverage Defense for Every Project
Replace manual spreadsheet tracking and generic cert portals with an automated legal firewall.
02
Adversarial Policy Analysis
AI extraction parses the ACORD 25 and audits attached ISO and manuscript endorsement forms against your specific project standards, hunting for the 5 fatal coverage gaps.
03
Automated Deficiency Routing
When deficiencies or fatal exclusions are detected, FailSafe immediately drafts an itemized remediation notice with the exact ISO form numbers required and sends it to the broker.
Enterprise compliance / step 03
General Contractor Compliance Command
Built for General Contractor Risk Managers, Project Executives, and Field Superintendents. Ingest certificates, audit endorsement schedules across multiple jobs, and resolve coverage gaps.
Sign In to General Contractor PortalGC Compliance Command
Multi-project oversight
ProjectPolicy reviewStatus
Perimeter Medical Arts Tower12 reviewed
2 deficienciesAction required
2 deficienciesAction required
Northline Distribution Center18 reviewed
0 deficienciesCompliant
0 deficienciesCompliant
Canyon Ridge Residential9 reviewed
1 exclusionBroker review
1 exclusionBroker review