The audit chargeback
At your general liability audit, subcontractor cost you cannot produce a valid certificate for gets rated as your own payroll, at full rates. It is the most common way this bill arrives, and it arrives once a year in one lump.
Nobody caught it, because catching it means reading forty ACORD forms a month and remembering forty different renewal dates. FullyComply reads them for you, checks every limit, endorsement and expiration against what that specific job requires, and chases the agent before coverage lapses.
No card, and nothing is charged when the trial ends. It comes with a sandbox full of invented vendors, so you can try everything on those before you put a single real certificate in.
Three ways a folder of unchecked PDFs turns into a real number.
At your general liability audit, subcontractor cost you cannot produce a valid certificate for gets rated as your own payroll, at full rates. It is the most common way this bill arrives, and it arrives once a year in one lump.
Each property or project often sits in its own LLC. A certificate naming the management company but not the owning entity may not respond when a claim is filed against that entity. The document looks perfect right up until it is needed.
Someone opens every PDF, compares limits against a contract exhibit, logs an expiration date, and emails an agent who does not reply. Multiply by every vendor, every renewal, every year.
The same vendor working two properties needs two correctly named certificates. That is the whole reason spreadsheets fail at this.
Carriers, policy numbers, every limit, effective and expiration dates, and which endorsement boxes are actually checked. From a PDF or a phone photo.
Against the limits and endorsements you set for that project or property, not a generic template. Different trades, different requirements.
The owning entity and your company both have to appear. If the certificate names the wrong LLC, you hear about it now instead of at claim time.
Reminders go to the vendor and the agent at 45, 30 and 15 days, with the exact requirements attached so the agent sends the right document the first time.
Subcontractors, by project
Vendors, by property
Drop in an ACORD 25 and get back every coverage line, limit, policy date and endorsement, typed out plainly. Useful on its own when a certificate lands in your inbox and you need to know what it says before you file it.
The trial answers most of them faster than we can — fourteen days, no card, and a sandbox already full of vendors with realistic problems.
But if you would rather ask first: tell us roughly what you manage and what your requirements look like, and we will tell you honestly whether this fits. Bring a certificate and your insurance requirements exhibit if you have one handy.