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Offline demo · Deficient fixture. Expired auto policy, missing completed-operations endorsement, sub-grade carrier.

Synthetic data, screened by the rule engine as of Oct 11, 2026 against the commercial standard ruleset. Nothing on this page reaches the API, and sign-off here is simulated.

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Discrepancy Screening Report

Puget Sound Framing & Drywall LLC

  • FATAL BLOCKERS
  • MATERIAL DEFICITS
Discrepancies
14
Fatal blockers
3
Project
proj_commercial_9240
Evaluated
Oct 11, 2026, 12:00 AM UTC

Packet doc_acord25_deficient_002

Coverage

  • General Liability

    2 discrepancies
    Policy
    GL-NWR-112094 · Insurer A
    Period
    Jan 1, 2026 – Jan 1, 2027
    Each occurrence
    $1,000,000
    General aggregate
    $2,000,000 · per policy
    Products / completed ops
    $1,000,000
    • Products / completed operations aggregate — found $1,000,000.00
    • Per-project aggregate — found Policy / Location Aggregate

  • Automobile Liability

    2 discrepancies · fatal
    Policy
    BA-PAC-440192 · Insurer B
    Period
    Aug 1, 2025 – Aug 1, 2026
    Combined single limit
    $500,000
    • Automobile policy expired — found Expired on 2026-08-01
    • Combined single limit — found $500,000.00

  • Umbrella / Excess

    2 discrepancies
    Policy
    UMB-NWR-88019 · Insurer A
    Period
    Jan 1, 2026 – Jan 1, 2027
    Each occurrence
    $2,000,000
    Aggregate
    $2,000,000
    • Umbrella occurrence limit — found $2,000,000.00
    • Stacked GL + umbrella occurrence limit — found $3,000,000.00

  • Workers' Compensation

    1 discrepancy
    Policy
    WC-STATE-WA-00192 · Insurer A
    Period
    Jan 1, 2026 – Jan 1, 2027
    E.L. each accident
    $500,000
    • Employers' liability each accident — found $500,000.00

  • Additional Insured & Endorsements

    5 discrepancies · fatal
    CG 20 10 10 01
    names holder · 10-day notice
    • Additional insured: completed operations — found Missing
    • Primary & non-contributory wording — found Missing
    • Waiver of subrogation (GL) — found Missing
    • Waiver of subrogation (WC) — found Missing
    • Notice of cancellation — found 10 days

  • Carrier Solvency (AM Best)

    2 discrepancies · fatal
    Insurer A
    Northwest Regional Mutual Co · B+ V
    Insurer B
    Pacific Auto Casualty Co · A- VIII
    • Insurer A: AM Best rating — found Northwest Regional Mutual Co: B+
    • Insurer A: financial size category — found Northwest Regional Mutual Co: Class V

Itemized discrepancies (14)

Material deficit
Products / completed operations aggregate
GL_COMPLETED_OPS_LIMIT
Required: $2,000,000.00Found: $1,000,000.00
Remediation: Increase Products/Completed Operations aggregate to meet project minimum.
Material deficit
Per-project aggregate
GL_PER_PROJECT_AGGREGATE
Required: Per Project General AggregateFound: Policy / Location Aggregate
Remediation: Request CG 25 03 Designated Construction Project General Aggregate Endorsement.
Fatal blocker
Automobile policy expired
AUTO_POLICY_ACTIVE
Required: Expiring on/after 2026-10-11Found: Expired on 2026-08-01
Remediation: Automobile liability expired on 2026-08-01. Immediate renewal required.
Material deficit
Combined single limit
AUTO_CSL_LIMIT
Required: $1,000,000.00Found: $500,000.00
Remediation: Increase Auto Combined Single Limit to at least contract requirement.
Material deficit
Umbrella occurrence limit
UMBRELLA_OCCURRENCE_LIMIT
Required: $5,000,000.00Found: $2,000,000.00
Remediation: Increase Umbrella occurrence limit to meet $5,000,000.00 minimum.
Material deficit
Stacked GL + umbrella occurrence limit
UMBRELLA_STACK_OCCURRENCE_LIMIT
Required: $6,000,000.00 (Stacked GL + Umbrella Occurrence)Found: $3,000,000.00
Remediation: Combined GL ($1,000,000.00) and Umbrella ($2,000,000.00) stacked occurrence limit falls short of contract total requirement ($6,000,000.00).
Material deficit
Employers' liability each accident
WC_EL_EACH_ACCIDENT_LIMIT
Required: $1,000,000.00Found: $500,000.00
Remediation: Increase Employers' Liability each accident limit to meet $1,000,000.00 minimum.
Fatal blocker
Additional insured: completed operations
AI_COMPLETED_OPERATIONS
Required: CG 20 37 (Completed Operations Additional Insured)Found: Missing
Remediation: Provide CG 20 37 Completed Operations endorsement. Job site access withheld.
Material deficit
Primary & non-contributory wording
PRIMARY_NON_CONTRIBUTORY
Required: Primary & Non-Contributory Endorsement WordingFound: Missing
Remediation: Provide Primary and Non-Contributory endorsement wording on General Liability.
Material deficit
Waiver of subrogation (GL)
WAIVER_OF_SUBROGATION_GL
Required: CG 24 04 Waiver of SubrogationFound: Missing
Remediation: Provide CG 24 04 Waiver of Transfer of Rights of Recovery.
Material deficit
Waiver of subrogation (WC)
WAIVER_OF_SUBROGATION_WC
Required: WC 00 03 13 (Workers' Compensation Waiver of Subrogation)Found: Missing
Remediation: Provide WC 00 03 13 Waiver of Our Right to Recover From Others endorsement.
Material deficit
Notice of cancellation
NOTICE_OF_CANCELLATION_DAYS
Required: At least 30 days written notice of cancellationFound: 10 days
Remediation: Provide endorsement guaranteeing at least 30 days notice of cancellation.
Fatal blocker
Insurer A: AM Best rating
CARRIER_RATING_A
Required: AM Best rating >= A-Found: Northwest Regional Mutual Co: B+
Remediation: Carrier Northwest Regional Mutual Co rating is below project minimum of A-.
Material deficit
Insurer A: financial size category
CARRIER_FINANCIAL_SIZE_A
Required: AM Best Financial Size Category >= Class VIIFound: Northwest Regional Mutual Co: Class V
Remediation: Carrier Northwest Regional Mutual Co financial size Class V is below project minimum of Class VII.

Human acceptance gate

This Discrepancy Screening Report is an automated comparative administrative tool and does not constitute legal counsel, insurance underwriting, or a certificate of compliance. Final risk acceptance and retainage release require human project manager authorization.