As a New York contractor, you’ve probably run into the frustrating reality of customer insurance screening services like Docutrax, ISNetworld, Avetta, or Veriforce rejecting your insurance coverage. You submit your certificates of insurance (COI), thinking you’re covered, only to get a dreaded notice: Your insurance does not meet our requirements.
This can cause major headaches. Without passing these screenings, you can’t work on certain projects, lose out on big contracts, and even risk breaching agreements with general contractors or project owners. But why is this happening, and how do you fix it?
At BGES Group, we specialize in solving these exact problems for New York contractors. Whether it’s a coverage issue, a missing endorsement, or a problem with your subcontractor forms, we have solutions to get you approved fast.
Why Are Insurance Screening Services Rejecting Your Coverage?
Third-party risk screening services exist to protect general contractors, project owners, and large corporations from liability issues. They have strict guidelines that your insurance must meet exactly—or they reject it.
Here are some common reasons your insurance fails these screenings:
1. Hard Hammer Subcontractor Forms – Some insurance policies include a Hard Hammer Subcontractor Warranty, which states that if you hire a subcontractor who does not meet all of your policy’s insurance requirements, your policy may not cover claims arising from their work. Many screening services flag this as an issue and reject your coverage.
2. Missing Additional Insured Endorsements – Most contractors are required to provide additional insured endorsements (AI) on a primary and non-contributory basis. If your policy lacks the correct AI forms, screening services will reject it.
3. Lack of Waiver of Subrogation – Many contracts require a waiver of subrogation in favor of the general contractor or project owner. If your policy does not include this, you’ll fail the screening process.
4. Improper Policy Limits – Your general liability, umbrella, or excess policies must meet specific minimum limits. If your limits are too low, you’ll be rejected.
5. Insurance Carrier Not Rated High Enough – Some risk management services only accept insurance from carriers with an A.M. Best rating of A- or better. If your policy is with a lower-rated carrier, it won’t pass screening.
6. Workers’ Compensation or Auto Insurance Non-Compliance – Many screening services require proof of workers’ compensation and commercial auto coverage. If you’re missing these or using a lower-rated carrier, your submission may be denied.
Example: The Hard Hammer Subcontractor Form Nightmare
Let’s say you’re a New York roofing contractor. You have a general liability policy in place, and you submit your insurance to Docutrax for approval. A week later, you get an email:
“Your insurance does not meet our requirements. Please provide a policy without a Hard Hammer Subcontractor Warranty.”
You call your agent, but they say, “Sorry, that’s how your policy is written. We can’t change it.”
Now you’re stuck. Without fixing this issue, you can’t work on your project. The general contractor won’t let you on-site, and your job is delayed.
This is where BGES Group steps in. We understand these roadblocks and know which insurance companies offer policies that meet Docutrax and other screening services’ requirements.
How BGES Group Can Get You Approved
At BGES Group, we specialize in finding insurance solutions that pass customer screening services. If your coverage keeps getting rejected, we can fix it.
Here’s How We Help New York Contractors:
✅ We find policies that eliminate Hard Hammer Subcontractor Warranties.
✅ We make sure you have the correct Additional Insured (AI) endorsements.
✅ We ensure you have Waiver of Subrogation endorsements where required.
✅ We secure policies with the right limits to meet contract requirements.
✅ We work with A-rated insurance carriers to pass all screening criteria.
✅ We provide workers’ comp and commercial auto solutions to meet all requirements.
When you work with BGES Group, we take the guesswork and frustration out of insurance approval. We’ll find you a policy that works, get your coverage approved, and keep your projects moving forward.
Don’t Let Insurance Hold You Back—Call BGES Group Today!
If you’re struggling to get your insurance approved by Docutrax, ISNetworld, Avetta, or Veriforce, you’re not alone. Many New York contractors face this issue—but there’s a solution.
At BGES Group, we’ll find you the right insurance, eliminate your approval problems, and get you back to work fast.
📞 Call Gary Wallach at 914-806-5853
📧 Email bgesgroup@gmail.com
Website www.bgesgroup.com
Don’t let insurance stand in the way of your next job. Call us today and get approved!