How it works

Two jobs: spot the gap, and keep you operational.

CAPGuard maps your entire project as a dependency system — no AI anywhere in the analysis. Then it does the four things a risk advisor does, in minutes instead of weeks.

Step 1

Map the whole project as a dependency system

Add each party — owner, GC, subs, sub-subs, suppliers — and how they flow down from one another. CAPGuard builds the real contract tree, not a flat checklist. Every party's coverage becomes structured data: GL limits, additional-insured status, endorsements, indemnity form, notice periods, wrap enrollment.

›Start each party from a standard form — AIA A401, ConsensusDocs 750, EJCDC C-523, DBIA 565 — and adjust.
›Add endorsements (CG 20 10 / 20 37 / 20 01 / 24 04 / 20 33) and upload the actual COIs and contracts.
Contractors coordinating on a project
Step 2

Spot the gaps — every place a requirement didn't flow down

For every parent→child contract edge, CAPGuard runs your risk requirements as data and checks whether each one actually made it downstream. A dropped limit, a missing completed-ops endorsement, an action-over exclusion, a scheduled additional-insured that doesn't name you — each is caught and cited to the exact form it came from.

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Broken edges

See exactly which contract relationship dropped the requirement, and by how much.

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Cited, not guessed

Every finding points to the standard form and the coverage fact behind it. If we can't cite it, we don't flag it.

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Insurance + contracts

Not just certificates — the contract terms that decide who really pays when it goes wrong.

34/100
Tilted — watch your position
Indemnity +10 · Payment +6 · Delay +6 · Termination +4 · Site +4
Step 3

Check for equal risk posture

A healthy project keeps everyone carrying a fair share of the risk for their tier. CAPGuard scores each party with a Risk Imbalance Index (0–100) across nine factors — indemnity form, payment terms, delay/LDs, damages, insurance asymmetry, one-sided flow-down, termination, notice traps, and site-condition risk — and tells you, in plain terms, whether the contract is quietly loading more onto you than it should.

›Built for the party holding the risk — including subs, who every other tool ignores.
›Every point traces to a specific clause you can renegotiate.
Step 4

Flag what leaves you vulnerable — and how to fix it

Each gap becomes a risk flag with a recommended response — accept, reduce, or transfer — tied to the exact endorsement or clause to change. Not a wall of red, but a short list of the moves that keep you covered and keep the job moving.

Transfer

Require the CG 20 37 endorsement, raise the sub's limit, add the waiver — push the risk where it belongs.

Reduce

Renegotiate the indemnity to comparative-fault form; compress the notice window so claims pass upstream in time.

Accept & monitor

Where the exposure is small and priced in — track the COI expiry and move on.

Built on trust, not black boxes

Deterministic. Cited. Tamper-evident.

No AI decides your risk. The same inputs always produce the same verdict, every result cites its source form, and every check is written to a tamper-evident ledger. It's a map you can hand to your broker, your GC, or a judge — and it holds up.

Book your free risk review →