70% of subcontractor certificates fail first review. We chase every certificate, and phone every insurance agency, until a named human has verified your entire portfolio. Your lift: one email. Your team's insurance calls: zero. ≥95% verified in 60 days, guaranteed in writing.
AI where automation is reliable. Human expertise where accuracy matters.
Built only for $10–100M general contractors in NY · NJ · IL. No software. No portal. Your subs never pay a dime.
The bill nobody budgets for
SOURCES: industry first-pass review data · documented WC audit charge-back · TCF Enterprises v. Rames (Mont. 2024) · published per-certificate labor benchmark
You have lived every one of these
Four different fires. One root cause: the chase is a job nobody owns. We own the chase.
What working with us looks like
We chase every sub and their insurance agencies, by phone, not just email, until the right paper is in your file. Every touch is timestamped. Here's a simulated board, mid-Sprint:
Simulated board, anonymized subs. One design law we live by: no sub's status ever changes without a named human signing off. No auto-downgrades. No robo-flags. No false alarms to your subs.
How it works
A spreadsheet, an ERP export, a photo of the whiteboard, plus your insurance requirements and one authorization email. That's your entire lift. Live in days, not a six-week implementation.
Email, then phone. Specialist callers reach each sub's insurance agency directly, state the exact forms your contract requires, and stay on them until corrected paper arrives. A trained reviewer verifies every endorsement and signs their name to it.
Weekly report, audit-ready binder, timestamped chase log per sub. Renewals chased at T-30 automatically, including the Jan 1 / Jul 1 cluster your team drowns in. Portfolios onboarded now walk into Jan 1 green.
What the chase already costs you
The hours are the small bill. The documented bills: $21,600 charged back to one GC at a single WC premium audit, and a $1.02M judgment where the promised coverage never existed.
No mail app on this machine? Write to amit@ozvak.com (we reply within one business day).
The compliance desk
Software parses and prays. Back offices mail PDFs. We finish the job: live phone calls to your subs' insurance agencies, and a named human signing every verification.
CG 20 10 / CG 20 37 editions, waiver wording, primary & non-contributory, entity-name match: verified by a trained reviewer on every certificate, not parsed-and-prayed. The signature is what holds when an auditor or a plaintiff's lawyer tests the file.
Certificate requests die in shared inboxes. We phone the agency, state the exact forms and holder wording, confirm the delivery address, get an ETA, and follow up until corrected paper arrives. Agencies that respond fast earn a direct, no-chase lane, so your certs come back faster over time.
New sub cleared inside 2 business days. Jobs never wait on paperwork.
Compliance rate, response speed, lapse history, per sub. Know who to invite back before you bid the next job.
Continuous monitoring with T-30 renewal chasing and lapse flags. The Jan 1 cluster handled without your team feeling it.
A timestamped log of every chase touch: who we called, when, what their agent said. Your defense exhibit.
The Clean-Audit File on your desk before the WC premium auditor walks in.
No vendor fees, no portals, no logins forced on your subs. They'll thank you, not bill you.
The engine
Not software that parses and prays. Not a back office mailing PDFs. A verification engine with a human signature at the end of every run.
Every certificate and endorsement page is parsed twice by independent AI models. Disagreement on any field routes straight to a human.
Dates, limits, endorsement editions, entity names, fraud signals. Anything the engine cannot prove routes to review, never to compliant.
100% of verifications carry a named specialist's signature and a timestamped audit trail. That signature is what holds under audit.
Where the paper is wrong, our desk phones the issuing agency and stays on it until the corrected certificate is in your file.
Fail-closed by design: the machine is never allowed to say compliant on its own.
Who this is for
Subcontractor insurance fails quietly, and the person who finds out first is rarely the person who caused it. Find yourself below.
The certificate arrives, it looks fine, mobilisation happens. Nobody reads the endorsement pages behind it, because reading them is not your job and there is no time. We read them before the sub sets foot on site.
An uninsured sub's contract price can be charged against your workers' comp premium as if it were your own payroll. In New Jersey that is the entire subcontract price. You want one binder, not a search.
A tick box on a certificate is not additional-insured status, a waiver, or primary and non-contributory. Only the endorsement grants those. We verify the form and its edition, and we say so in writing.
When a sub's paperwork fails, the claim does not stop at the sub. It walks up the chain to the first insured contractor, and your own general liability answers for it. That is the exposure we close.
Every one of these ends the same way: the gap is found by someone else, at the worst possible moment.
The offer
Everything below, delivered as one compliance desk. Values reflect what each piece costs when bought separately, or done with your own staff's hours.
Your full portfolio chased to verified compliance: email + live phone to every sub's insurance agency, deficiency loops run for you.
Human verification of CG 20 10 / CG 20 37, waiver wording, and entity-name match on every certificate. The part that survives a claim.
An audit-ready sub-payment & COI binder, delivered before your WC premium audit walks in.
Any new sub verified inside 2 business days. Jobs never wait on paperwork.
Timestamped chase log for every sub: who we called, when, what their agent said. Your defense exhibit.
Jan 1 / Jul 1 surge coverage: every renewal chased through the three-week window.
Your insurance-requirements template reviewed by a licensed producer partner.
Priced by vendor count
What the chase costs you today
124 staff hours of chasing at the published 38-minute benchmark, carried by 0.2 to 0.5 of a full-time salary. Conservative: staff cost alone, before a single claim.
And the tail stays yours: the $21,600 audit clawback, the $1.02M judgment.
The Compliance Desk, annual
The whole portfolio chased, every record human-signed, audit binder delivered, guarantee in writing.
You keep $6,500 a year, and shed the tail. About $0.42 per sub per day.
EMAIL-ONLY MONITORING
THE FULL $81,100 STACK
works out to about $0.42 per sub per day
Start with the free X-Ray →FOR PORTFOLIOS THAT CANNOT MISS
Enterprise portfolios get per-vendor terms, a dedicated verification team, and white-glove SLAs. Bring your list; we price it on the walkthrough.
Talk to us →Reality check: full-service incumbents run $10,000 annual minimums and 6 to 8 week onboarding. Self-serve tools plateau at 60 to 90% compliance. The staff route is $12,000 to $45,000 a year before a single claim. Your subs never pay anything.
Prefer to start smaller? The 60-Day Clean-Audit Sprint runs $4,500 for full-size portfolios and $3,000 for smaller ones. A $500 refundable deposit books the slot, and 100% of Sprint fees credit toward the annual desk within 30 days of your first proof. Slots are capped at six GCs per quarter; the December cohort closes December 15, or your Jan 1 renewals go unchased.
Subs, requirements, one authorization email. Done.
Traffic-light board of your whole portfolio, a human verdict on every line.
Agencies called, deficiency loops running, board turning green week over week.
Audit binder delivered. Renewal Radar on. The guarantee did its job, or we're still working, free.
THE CLEAN-AUDIT GUARANTEE
"At least 95% of your portfolio verified compliant in 60 days, or we keep working free until it is."
Conditions are yours to control: give us your sub list, your insurance requirements, and one authorization email in week one. Stronger than the 60-day money-back offers you'll see elsewhere: we don't hand your problem back with a refund; we keep working it, free.
Why not the alternatives
| What it takes | In-house admin | Tracking software | Ozvak |
|---|---|---|---|
| What it is | Manual admin | Parse-and-pray automation | AI-assisted, human-signed desk |
| Collects the PDF | Sometimes | If subs upload | Yes, we chase it |
| Reads the endorsements (CG 20 10 / 20 37) | Rarely trained to | Parses, doesn't judge | Human-verified, every cert |
| Calls the sub's insurance agency | When there's time | Never, email blasts only | Yes, until corrected paper arrives |
| Portfolio compliance it reaches | Unmeasured | 60–90% typical, self-serve | ≥95%, guaranteed in writing |
| Verification accuracy | Unmeasured | Best published claim: 99.5% | 99.95% standard · 100% human-signed |
| Time to live | A hire + training | Weeks of implementation | Days |
| Survives your WC premium audit | Depends on the binder | Gaps ride through | Audit-ready file, delivered |
| Cost | $40–60K/yr of wages | $5–20K/yr + your labor | $8,500–22,000/yr published, all-in |
Start here, free
Send your sub list. We verify every certificate on file, endorsements included, and return a traffic-light board with the dollar exposure behind every gap. If it doesn't find at least 5 gaps you didn't know about, it's yours to keep anyway; page three is the fix-it-yourself checklist.
Email your sub list straight to
A spreadsheet, an ERP export, or a photo of the whiteboard, all fine. CC abhishek@ozvak.com if you like a second set of eyes. Prefer the phone? +1 (302) 601-7222.
Straight answers