Policy Review

Catch the risk
a COI can’t show

Jones collects and reviews full policies from subcontractors, vendors, and tenants to identify exclusions and restrictions that could affect coverage.

Ideal for: higher-risk projects, trades, and jurisdictions where Labor Law puts the liability on owners or contractors.

Trusted by

300+ industry leaders

Hidden Policy Risks

A Contractor Can Appear Compliant - And Still Leave You Exposed

A COI Is Only a Summary

A COI confirms coverage details but doesn’t show all policy terms, limitations, or exclusions.

Material Exclusions Can Be Buried

Key exclusions can be buried deep in hundreds of policy pages.

One Policy, Multiple Decisions

Reviewing the same policy across multiple records creates duplicate work and inconsistent risk decisions.

Why It Matters

The COI may show coverage.
The policy may exclude the work.

The Project

A subcontractor is approved for a 40-unit project.

The COI

Their COI shows an active $1M general liability policy.

The Policy

But the full policy contains a residential construction exclusion for projects over 25 units.

The Claim

The COI check was already cleared. When a claim comes in, nobody reads the certificate. They read the policy — and the exclusions decide who pays.

Video

See What A Policy Review Catches

From Approved COI To Denied Claim

How a compliant certificate can still leave you exposed, and where the answer actually sits in the policy.

Both Review Levels, On Real Policies

What Standard and Comprehensive each find, and how to choose the one that fits your work.

How It Works

From Evidence of Insurance
to Policy-Level Insight

Collect the Complete Policy

Jones works through our compliance workflow to obtain policies from the vendor, subcontractor, tenant, or broker.

Review the Terms That Matter

Jones reviews policies at your chosen tier, with expert auditors supported by AI.

Record Findings Against the Unique Policy

Material findings are linked to the policy, creating a consistent record of exclusions and restrictions.

Surface the Risk Everywhere

Global Policy Exclusions applies findings across all records using the same policy.

Review Options

Choose the review scope
your risk requires

Standard Review

Focused review for specific risks.

Comprehensive Review

Broader visibility across the full policy.

Core Capabilities

Policy Insight Within Your Compliance Workflow

Full-Policy Collection

Obtain complete policies alongside COIs and endorsements.

AI-Accelerated, Specialist Review

Accelerate analysis while retaining expert insurance judgment.

Customer-Specific Review Criteria

Every finding is measured against your insurance requirements and scope of work. Choose the exclusions to target in a Standard review, or let a Comprehensive review surface every relevant one.

Audit-Ready History

Maintain a clear history of policy documents, review findings, compliance decisions, and subsequent actions.

Global Exclusion Visibility

Show findings across connected records.

Policy-Level Findings

Keep findings linked to one unique policy.

Who We Serve

For Teams Managing Complex
Coverage Risks

General Contractors
& Homebuilders

Identify residential construction, defect, subcontracted work, worker injury, NY Labor Law, and completed operations exclusions.

Property Management
& Risk Teams

Identify worker injury, water intrusion, mold, completed operations, and designated operations limitations.

Real Estate Owners
& Asset Managers

Identify worker injury, water intrusion, mold, pollution, and designated operations limitations.

Frequently Asked Questions

Key Questions Answered

Why isn’t reviewing the COI enough?

COIs omit detailed policy terms, definitions, conditions, and exclusions. Policy Review examines the underlying documentation.

Does Policy Review replace Jones’s standard compliance review?

No. It adds policy analysis to Jones’s existing COI and required endorsement checks.

How do Standard and Comprehensive differ?

Both use the full policy. Standard checks up to five pre-agreed exclusions or restrictions; Comprehensive reviews relevant exclusions and restrictions without a predefined limit.

What exclusions can Jones review?

Examples include residential construction, roofing, height, New York Labor Law, demolition, excavation, exterior work, and other trade- or project-specific restrictions.

What are Global Policy Exclusions?

Findings linked to a unique policy and surfaced across relevant vendor, property, project, and compliance records.

Do I pay again for each project or property?

You’re charged per unique policy reviewed. Findings are shared across relevant records relying on that policy.

Does Policy Review guarantee claim coverage?

No. Coverage depends on the complete policy terms, claim facts, and insurer’s determination. Review helps identify exclusions and restrictions that COI and endorsement checks may miss.

Catch the risk a COI can’t show