Every coverage line has your figure on it
You set the coverage limits you require, often the number your own insurer or lender asks for. Every line can be set per trade, made mandatory or left preferred.
A vendor whose recorded coverage falls below one of the lines you made mandatory cannot propose on your work until it is raised.
| Coverage | Your minimum |
|---|---|
| General liability (per occurrence) | You set the figure |
| General liability (aggregate) | You set the figure |
| Workers’ comp / employer’s liability | You set the figure |
| Auto liability | You set the figure |
| Umbrella / excess | You set the figure |
| Professional liability | You set the figure |
| Pollution liability | You set the figure |
| Crime / employee dishonesty | You set the figure |
The same insurance in every trade, and one more credential
General liability sits in every row, which is why a company that files it once can answer requests from every manager on the platform instead of assembling a packet per firm.
Painting is the short row. Most states license a painting contractor under a general contractor’s license or do not license one at all, so there is no card to require.
| Trade | Before it may propose |
|---|---|
| Pool cleaning | General liability · CPO certification |
| Landscaping | General liability |
| Porter | Background check · General liability |
| Amenity & pool staffing | Background check · General liability |
| Pest control | General liability · Pest control license |
| HVAC | General liability · EPA 608 certification |
| Electrical | General liability · Electrical contractor license |
| Painting | General liability |
What a vendor clears before its proposal reaches you
Until we have verified a vendor’s W-9 and business registration, it sees the trade, the town, the deadline and the budget of your RFP, and not your name.
Then it needs your approval where your company runs the community. Last come the insurance and the trade’s own credential: a vendor missing one cannot send you a proposal. We check them when it asks to answer, and again on the day you send it to a property.
- W-9 and registrationVerified before a vendor sees your name.
- Your approvalAnd the vendor’s travel radius.
- InsuranceRead from the certificate.
- The trade credentialCurrent on the day it proposes.
Every coverage line comes back as one of four answers
A figure a company typed about itself is shown to you as exactly that. It never counts as met until a person has read it off a certificate.
A line you marked preferred rather than mandatory is reported to you and lets the company through, because you said it could.
- MeetsA verified certificate carries at least the figure you set.
- ShortThey carry the coverage and it is below your figure. The shortfall is named in dollars.
- MissingYou asked for a coverage and nothing on file answers it.
- ExpiredThe policy ran out, so the line fails with its own reason.
A lapsed policy stops new work the next day
If a policy lapses, the vendor cannot propose on your work from the day after its expiration date. You cannot send it out or put it on the schedule until the policy is back in force.
A crew already standing on your property finishes the visit and files the record. What stops is new proposals and new work, which is the only place a pause is any use to you.
- New proposals
- Stopped from the day after the expiration date.
- New work
- No send-outs or schedule entries until it is back in force.
- A visit in progress
- Finished, and the record filed.
