Mangrove Onboarding & Compliance Requirements

Overview 

Mangrove has partnered with Sublynk to onboard and credential their contractor network. This document contains onboarding and compliance information for every program offered by Mangrove to its contractor network.

If you need to speak with someone at Sublynk about these requirements please email support@sublynk.com to receive assistance with Mangrove related compliance items.

Fees 

• Essential Package
  • First Credentialed Network Joined: $25 per month 
  • Additional Credentialed Networks Joined: $10 per month for additional networks 
  • Multi-location: $10 per month per additional location (same tax ID) 
• Background Check Fees - Sublynk Gold Package
  • $55 per check + variable fees 
  • Average return time for checks is less than 1 business day 
  • Checks can be used for compliance with other platforms 
• Cancellation Policy 
  • Sublynk is an independent platform from Mangrove systems. We do not assign jobs or offer any guarantees of work for our partner programs. We do no offer refunds but you may cancel your Sublynk account at any time. Canceling your account will remove you from Mangrove assignments.

Onboarding Requirements

• General Requirements
  • 3 years in business or
    • Management team has >10 years of experience
• Mitigation & Restoration Requirements
  • 24/7/365 availability
  • Certifications: See Compliance Matrix Below
  • Technology
    • XactAnalysis, Cotality, or another electronic estimating program which provides an itemized, per unit estimate of damage to the property, including itemized information on equipment, materials, labor, and supplies. The electronic estimating program must apply market price data that consists of unit-cost breakdowns consistent with those that may be expected from a contractor or repair company in the relevant geographic market area.

Compliance Requirements

The requirements listed below provide all expected licenses, certifications, and background check requirements for the Mangrove networks. Please review the requirements carefully to ensure a smooth compliance process.

• Company Legal Name
  • All insurance, certifications, and licenses must be in the company legal name
• Insurance
  • COI’s will be automatically requested by Sublynk to your agent/broker(s). Contractor provided COI’s will be used for reference purposes only and will not be used for compliance verification
• Licenses/Certifications
  • Licenses and certifications will be required for every state included in your service territory
  • Sub-contractor licenses are not accepted

Detailed Insurance Policy & Certificate Requirements

Every COI must contain the exact text below in Description of Operations and Certificate Holder:

Coverages Must Include:

• Commercial General Liability: $2,000,000 Aggregate & $1,000,000 Each Occurrence
  • Coverage must include:
    • Personal & Advertising Injury at $1,000,000
    • Products & Completed Operations Liability at $2,000,000
    • Primary and non-contributory coverage
  • Endorsements that must be attached to the COI
    • Ongoing and completed operations coverage for additional insured
      • Additional Insured: CG2010 (or equivalent)
      • Additional Insured - Completed Operations: CG2037 (or equivalent)
      • Waiver of Subrogation: CG2404 (or equivalent)
  • No specific exclusions or restrictions for:
    • Claims for additions or remodeling projects
    • Residential or habitation
    • Work performed by subcontractors
• Contractor Pollution Liability: $1,000,000 Each Occurrence
  • Endorsements that must be attached to the COI
    • Additional Insured
    • Waiver of Subrogation
  • Definition of pollutants will include
    • Mold and/or
    • Microbial matter and/or
    • Fungus and/or
    • Biological substance
  • Policy shall not exclude claims from
    • Asbestos, Lead, Mold, Bacteria, and Silica or contaminated drywall
• Workers Compensation & Employers Liability: $500,000 Employers' Liability
  • Waived if the contractor has no w-2 employees or is legally exempt. Attestation required
  • Workers Compensation is required per State statutory minimum limits
  • Stop Gap as required in Monopolistic states (ND, OH, WA, and WY)
  • Endorsement that must be attached to the COI
    • Waiver of Subrogation
• Auto Liability: $1,000,000 Combined Single Limit
  • Coverage by endorsement for all vehicles owned, leased, rented, hired, or borrowed
    • Endorsement that must be attached to the COI
      • Waiver of Subrogation
  • If you have no company owned autos, your alternative options are:
    • Add a HNOA Endorsement to your General Liability Policy or as part of Business Owner’s Policy (BOP) from your General Liability Insurance Agent.
    • Get “HIRED AUTOS” and “NON-OWNED AUTOS” Coverage from an Auto Insurance Agent
    • Purchase Unlimited Non-Owned Car Coverage (UNOC) from an Auto Insurance Agent
• Professional Liability: $1,000,000
  • Only required for Testing/Engineering/Consulting
• Bailees: $250,000
  • Only required for pack-out contents work

Licenses & Certifications Required By Service Category

Background Check Requirements

Frequency: Every 3 Years on all owners, license and certificate holders, and anyone going to job sites.

Required Checks:

• SSN Trace including 7-year address history and associated alias or maiden names
• County criminal record search w/Alias
• Federal criminal record search w/Alias
• National criminal record search w/Alias
• Global watchlist search (OFAC)
• National sex offender search
• MVR (Motor Vehicle Record) Check

Disqualification:

• OFAC Watchlist
• Open or active warrant or probation
• Convicted felon
• Convicted sex offender
• Convicted misdemeanors including deception, theft, insurance/identity/license fraud, sexual assault, or a crime involving violence