Red Cedar Agency

Contractor Risk Management Tools Driven by AI

Redline

Reviews construction contracts and flags risky terms before you sign.

SubProtect

Checks certificates of insurance actually meet your requirements.

AuditGuard

Estimates your year-end premium-audit exposure.

Threshold Calculator

Shows which employees are worth a raise under CA dual wage rules.

Guaranteed to reduce your company's risk

Our AI isn't generic — it's built by risk managers with decades of experience.

Contract Review

Redline

Catch risky contract terms before you sign.

Upload a construction subcontract and Redline surfaces unfavorable terms, missing protections, and liability exposures — each with cited evidence, a recommended action, and an overall risk score.

  • Flags indemnity, insurance, and payment provisions
  • Every finding cites the exact contract language
  • Risk score and prioritized recommendations

Certificate Verification

SubProtect

Make sure every COI actually meets your requirements.

Drop in a certificate of insurance and the requirements it must satisfy. SubProtect cross-examines every limit, date, and endorsement and flags whatever falls short — so a bad cert never slips through.

  • Checks each requirement against the certificate
  • Met, insufficient, missing, or needs-verification
  • Evidence pulled straight from the COI

Premium Audit

AuditGuard

Know your year-end audit exposure before it surprises you.

Upload an in-force policy package and your projected financials, and AuditGuard estimates the additional premium you're likely to owe at audit — line by line, so there are no year-end surprises.

  • Projects additional premium per line of business
  • Reads revenue, payroll, and class-code rating bases
  • Turns audit guesswork into a clear estimate

Dual Wage

Threshold Calculator

Give your crew a raise and pay less for work comp.

California splits construction classifications at an hourly wage threshold, and the code below it costs far more. Enter your crew and the calculator shows who sits close enough to the line that raising them saves more premium than the raise costs.

  • Current WCIRB thresholds for all 16 class code pairs
  • Nets the work comp saved against the cost of the raise
  • Run your whole crew before your work comp renews

Ready to put these tools to work for your team?

Also worth a look

Not ours, but our clients keep telling us it works.

Accounts Receivable

AR Badger

You did not start your company to be its collections department. AR Badger is an authorized QuickBooks plug-in that chases your past-due invoices for you. Contractors using it are saving 5 to 30 hours a week and getting paid quicker.

Red Cedar Agency clients get 6 months free with code REDCEDAR at checkout.

Free for 90 days. No strings attached.

Red Cedar Insurance Agency offers the full suite free for 90 days — no credit card, no commitment. Reach out and we'll get your team set up.

Legal Disclaimer

We do not provide legal advice. The terms we highlight are recommendations to negotiate and discuss with your attorney. These tools are designed to assist in identifying potential areas of concern, but should not be considered a substitute for professional legal counsel.

There is never a charge for Red Cedar Insurance Agency (RCIA) risk management tools. These tools are available to RCIA insurance clients and prospective clients only.