$30M Bond. Last Quarter's Data.
The Claim Is Already Filed.
You're bonding a contractor for $30 million based on last quarter's financials and a handshake. By the time you see trouble, the claim is already filed. POD gives you daily project health — verified from the field.
The Underwriting Blind Spot
You price risk on snapshots. Construction risk changes every day.
Quarterly financials are 90 days stale by the time you review them
You're underwriting risk with 3-month-old data. The contractor's cash position, backlog health, and project performance could have changed dramatically since the last statement.
No visibility into active project health between reports
You see corporate financials but not individual project performance. A profitable company can have one catastrophic project that triggers a claim — and you won't see it until the claim is filed.
Subcontractor performance deterioration is invisible
Sub failures cascade upward. When a key subcontractor starts missing deadlines or cutting safety corners, it erodes the GC's project health — but nothing in quarterly reporting captures this.
Claims documentation is assembled after the fact
When a claim comes in, reconstructing what happened requires forensic analysis of scattered records. Every week of investigation costs $5K-15K in adjuster and attorney time.
The POD Advantage for Surety
Fill the 90-day gaps between quarterly reports with daily field-verified intelligence.
Real-Time Billing Verification
POD's billing reconciliation engine compares pay app claims against daily production data, material deliveries, and progress photos. Over-billing patterns are detected automatically — a leading indicator of cash flow problems.
Continuous Project Health Scoring
POD provides surety agents with a read-only dashboard showing real-time project health for bonded contractors. Data comes directly from daily field reports — not filtered through corporate reporting.
Subcontractor Early Warning Signals
POD tracks subcontractor productivity, safety compliance, and schedule adherence at the trade level. When a sub starts underperforming, the surety agent sees it in real-time — not 90 days later in a WIP schedule.
Pre-Assembled Claims Documentation
POD maintains a complete, timestamped project record from day one. If a claim is filed, the documentation is already organized — no forensic reconstruction needed. Investigation time drops from months to hours.
Three Verification Gates. Zero Blind Spots.
Field data flows through Financial, Schedule, and Safety verification gates. Gates animate open as data passes verification. Final status: bondable or conditional.
Underwriting Intelligence — Risk Quantified Before the Bond Is Written
These KPIs auto-populate from daily field uploads — no manual data entry required.
Risk Exposure
Frequently Asked Questions
Ready to Underwrite with Real-Time Data?
Stop pricing risk on 90-day-old snapshots. See contractor project health verified daily from the field.