Atlas Crest LLC · Florida
Risk gets priced in the records.
We are an insurance services firm that works the evidence side of risk. Payroll, class codes, certificates, and the condition of the building itself — the details that decide what a policy is worth and what an audit will find.
Three ways in
Carriers & MGAs
Premium audits, loss control surveys, and commercial property inspections — verified against what the policy actually rates on, returned as a file your underwriter can close.
Field services →Businesses
Subcontractor certificates collected, verified, and chased before they lapse — plus audit preparation, so the premium you are charged reflects the work you actually did.
Business services →Independent inspectors
We are building a vetted network to cover assignments beyond our own reach. If you carry your own E&O and know inspection work, we would like your details on file.
Join the network →The finding we see most
An uninsured sub becomes your payroll.
You asked for a certificate. You got one. Then the policy lapsed mid-job, or it never covered the trade the work fell under. Nobody was watching the dates.
At audit, every dollar you cannot document gets reclassified to your payroll at your rate. We have sat in the auditor's chair and written that charge. Now we work the other side of it.
How certificate tracking works| Paid to sub | Certificate | Rated as |
|---|---|---|
| $48,000 | Current, trade matches | Subcontracted |
| $31,500 | Expired mid-job | Your payroll · 5403 |
| $18,000 | None produced | Your payroll · 5403 |
Certificate tracking, step by step
Documents are read and filed within minutes of arriving. Every open item carries a follow-up date, and nothing closes until the file is complete.
Step one — collect
We take your vendor list and go after every certificate on it directly, so your team is not the one sending reminder emails.
- +Requests sent to each sub and their agent
- +Existing files inventoried against what you paid out
- +Missing documents logged with an owner and a date
Step two — verify
A certificate on file is not the same as a certificate that holds up. We check what an auditor checks.
- +Policy term covers the period the work was performed
- +Coverage matches the trade, not just the name
- +Exclusions and endorsements read, not skimmed
Step three — chase
Renewals are pursued before the lapse, not discovered after it. Nothing sits waiting on a desk.
- +Expiry dates tracked with advance follow-up
- +Cancellations caught and escalated same day
- +Gaps flagged while you can still fix them
Step four — hand over
When the audit is scheduled you hand over one complete file instead of assembling it under a deadline.
- +Certificates indexed to the payments they cover
- +Payroll split by class code
- +Officer exclusions and waivers documented
Service lines
COI & subcontractor compliance
Limits, dates, endorsements, waivers — collected, checked against the trade, and renewed before they lapse. Current status any time you ask.
Premium audit preparation
Payroll split by class, subs matched to certificates, officer exclusions documented — assembled the way an auditor will actually ask for it.
Premium audit services
Workers' compensation, general liability, and specialty commercial lines. Payroll, sales, and unit exposures verified against the rating basis.
Loss control & risk inspections
Onsite fire, life-safety, and hazard surveys documented with photographs, plus recommendations a policyholder can act on.
Commercial property inspections
COPE data, replacement-cost detail, occupancy and condition — captured cleanly for the underwriting file.
Onsite and remote
Some work has to be attended in person; the rest is records work, and records work has no territory. Where an assignment sits outside our reach, we place it with a vetted inspector and administer the file ourselves.
See coverage →Contact
Tell us what needs handling.
An audit file, a stack of certificates nobody has looked at, or a territory you need covered. Send the details and we will tell you plainly whether we are the right firm for it.