Guides & free tools

The paperwork between you and the job, in plain English.

Free tools that read the fine print for you, and guides that explain what it wants. Built for owners who'd rather run the business.

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Job Ready

Got a subcontract from a GC? Paste the insurance requirements and see if you can sign it.

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Contract Scanner

Paste any contract. Know every clause type in it, and what each one asks of you.

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Policy Decoder

Paste your policy. Get the jargon translated into plain language you can act on.

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Read up before you sign.

Plain English, dated and sourced
Per-Project Aggregate Endorsement: CG 25 03 GuidePer-project aggregate endorsement: add CG 25 03 to reset your general liability limit per job. Costs $250–$1,500/year. Get your COI approved today. Oct 2026 Corrected COI: 2–48 Hours or 1–5 Days?Corrected certificate of insurance: get certificate-only fixes in 2–48 hours, endorsement fixes in 1–5 days. Know the difference before the GC deadline. Oct 2026 Blanket Additional Insured Endorsement: GC RequirementsBlanket additional insured endorsement: understand CG 20 33/38 coverage gaps and match subcontract demands in 15 minutes. Avoid costly compliance errors. Oct 2026 Why GC Rejects Your COI When Broker Says It's FineCOI rejection explained: 70%+ of GC rejections stem from missing endorsement forms, not coverage gaps. Learn the 3 endorsements GCs actually check. Oct 2026 Waiver of Subrogation: What It Actually DoesWaiver of subrogation: removes your insurer's recovery rights against a named party — typically costs 1–3% on workers' comp. Understand before you sign. Oct 2026 Switch Carriers for GC Insurance: When It's Worth ItSwitching carriers for GC insurance: save time and costs only if your carrier refuses endorsements and the job exceeds 3x your premium. Learn when to switch. Oct 2026 Fix Renewal Endorsement Loss: 4-Step GC CompliancePolicy renewal dropped your endorsements? Fix in 4 steps: compare subcontract exhibit to new COI, request endorsements by form number, get corrected certificate Oct 2026 Additional Insured Endorsement: GL Policy GuideAdditional insured endorsement: extends GL coverage to general contractors for work-related claims. Learn CG 20 10 vs CG 20 37 requirements. Oct 2026 GC Subcontract Additional Insured: Can You Sign?GC subcontract additional insured requirements: 73% now require completed operations. Learn if you can sign and what endorsements you need. Oct 2026 1099 Subcontractor Workers Comp Audit Charges1099 subcontractor workers comp audit: uninsured subs trigger 5-figure charges. Collect COIs before work starts to avoid reclassification penalties. Oct 2026 Experience Mod as Bid Gate: What GCs Actually AllowExperience mod (EMR) acts as a hard prequalification gate on GC bids—1.00 or 1.25 ceilings are common. Learn how it blocks bids and why endorsements can't fix it. Oct 2026 COI Portal Rejected? Fix 5 Missing FieldsCOI portal rejection: 70% caused by missing endorsement forms (CG 20 10/37), not policy gaps. Fix in 24 hours with your agent—free guide inside. Oct 2026 CG 20 10 vs CG 20 37: Which Endorsement Does Your GC Need?CG 20 10 vs CG 20 37 endorsements: 97% of GC contracts require both. Learn the difference, why you need each, and typical costs ($0–$250). Avoid COI rejection. Oct 2026 Certificate of Insurance: Why It Doesn't Prove Additional InsuredCertificate of insurance doesn't prove additional insured status: COI is informational only. Learn why endorsements (CG 20 10/37) are the real proof — get coverage Oct 2026 GC Job Endorsement: Worth It? $0–$250 Cost GuideGC job endorsement: costs $0–$250 per policy, not per job. Required if subcontract demands additional insured or waiver of subrogation. Check your blanket coverage Oct 2026 California SB 291: Workers' Comp Mandate for SubcontractorsCalifornia SB 291 requires licensed subcontractors with employees to carry workers' comp insurance starting January 1, 2026. Understand the phase-in timeline and Oct 2026 GC Withholding Payment: Fix COI in 24 HoursGC withholding payment for COI: fix the exact defect (missing endorsement, P&NC wording, or certificate holder) in one business day. Get paid faster. Oct 2026 Thimble vs Vouch: Additional Insured EndorsementsAdditional insured endorsements: Thimble starts at $17/month but lacks blanket CG 20 10/37 forms. Compare Vouch for subcontractors — verify before buying. Oct 2026 Best Embroker Alternatives for Construction SubsEmbroker alternatives for construction subcontractors: Compare Simply Business, Thimble, Vouch. Find platforms matching GC insurance requirements. Compare now. Oct 2026 California Solo Contractor Workers Comp: 2026 Rule ChangeCalifornia workers comp for solo contractors: currently exempt, but SB 216 requires all licensed contractors to carry coverage starting January 1, 2026. Verify your Oct 2026 GC Subcontract $2M Liability: Bridge $1M Gap with UmbrellaGC subcontract $2M liability requirement: close your $1M gap with a commercial umbrella for $400–$1,500/year in 1–3 days. Learn how to sign. Oct 2026 What Is a Ghost Policy in Workers CompGhost policy workers comp: $0 payroll coverage that produces a certificate but fails audits with employees. Learn the real risks before buying. Aug 2026 Do You Need Workers' Comp to Sub for a GC in California?Workers' comp for CA subcontractors: SB 216 now requires all licensed contractors to carry it. Learn costs ($1,200–$4,500/year), exemptions, and contract Aug 2026 Sign Subcontract Waiver of SubrogationWaiver of subrogation: sign subcontracts requiring it for $0–$250/year. Get the endorsement form, not just a COI. Learn the 6-step workflow. Aug 2026 GC Rejected Certificate of Insurance: Fix in 24-72 HoursCertificate of insurance rejection: 90% are fixable without a new policy. Get the exact endorsement forms your agent needs — usually CG 20 10 and CG 20 37. Aug 2026 First Enterprise Client: What Changes for YouFirst enterprise client: secure $1M–$5M insurance, sign MSA obligations, and meet security requirements. Free scanning tools included. Aug 2026 Decode Legal Jargon in PoliciesDecode legal jargon: convert policy clauses to plain-English obligations in 18 minutes for $0–$60/month. Save $250/hour lawyer fees. Aug 2026 Understand Insurance Policy Terms in Plain EnglishUnderstand insurance policy terms: Erni's Policy Decoder translates jargon into plain English in 2–3 minutes. Prevent £8,000–£25,000 in uninsured claims. Aug 2026 What to Check in a Policy Document: 7-Step ReviewPolicy document review: check 7 critical items (declarations, limits, exclusions, sub-limits) in 35 minutes. Free tools included — prevent 80% of claim denials. Aug 2026 Insurance Requirements Exhibit in SubcontractInsurance requirements exhibit: the binding schedule that dictates coverage limits, additional insured status, and endorsements. Understand the 6 critical lines Aug 2026 Does My Enterprise Client Require Insurance?Enterprise insurance requirements: 95% of MSAs demand $1M liability coverage. Learn what's required, how to match limits exactly, and save $400–$1,200/year. Aug 2026 What to Check Before Uploading a ContractContract upload safety: verify sensitive data, GDPR compliance, and platform encryption before sharing. Aug 2026 Experience Mod: How It Affects Your Construction BidsExperience mod multiplies your workers' comp premium by up to 25%+ — learn how it impacts bidding and prequalification gates. Aug 2026 Workers Comp Audit for SubcontractorsWorkers comp audit for subcontractors: reconciles payroll and verifies insurance. Uninsured subs cost $3,000–$20,000+. Prepare 4 documents now. Aug 2026 First Enterprise Client Compliance ChecklistEnterprise compliance checklist: automate 70% of legal, tax & contractual obligations in under 2 hours. Save £800–£2,400 on professional fees. Aug 2026 GC Withholding Payment Until COI: Fix in 6 StepsGC withholding payment for COI: get paid in 24-72 hours by matching endorsements (CG 20 10/37, primary/non-contributory, waiver of subrogation) to your subcontract. Aug 2026 CG 20 10 and CG 20 37 for SubcontractorsCG 20 10 and CG 20 37 endorsements: protect your subcontracting business from ongoing and completed operations claims. Learn why both are required. Aug 2026 Additional Insured Endorsement: GC RequirementsAdditional insured endorsement: get CG 20 10/37 forms in 1–3 days for $0–$250. Learn what GCs actually need before you sign. Aug 2026 Primary and Non-Contributory Insurance: What It MeansPrimary and non-contributory insurance: your policy pays first, GC's pays nothing until yours exhausts. Learn the endorsement requirement — get compliant in 48 Aug 2026 Certificate of Insurance vs EndorsementCertificate of insurance vs endorsement: COI is informational only, endorsements deliver actual coverage. Learn the critical difference to avoid claim denials. Aug 2026 Federal vs State Business Rules: Which Apply to YouFederal vs state business rules: understand which obligations apply nationwide vs by state — verify requirements before hiring or expanding. Start here. Aug 2026 What Changes When You Store Customer DataCustomer data storage: inherit privacy obligations, cyber insurance needs, and DPA requirements — verify your state's rules now. Aug 2026 Do I Need Workers Comp for My First Employee?Workers compensation requirements: most states require coverage at employee #1, but thresholds vary by state — verify your state's rule before hiring. Aug 2026 Dev Shop Insurance in the US: What You NeedDev shop insurance: 4 core coverages (E&O, GL, cyber, workers' comp) for $150–$600/month. Learn what your software agency needs to stay compliant. Aug 2026 Is a Compliance Tracking Tool Worth It?Compliance tracking tool: know when obligations change and save thousands in penalties. Skip if solo, buy at 2+ employees. Aug 2026 What Changes Legally When You Hire Your First EmployeeFirst employee compliance: 7 legal obligations, $40–80/month payroll cost, state-by-state deadlines. Complete checklist inside. Aug 2026