Case Study: Ziolkowski Construction x TrustLayer

‍From insurance paralysis to process power in one 45-minute huddle

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Why this matters

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Ziolkowski Construction wasn’t just tracking COIs—they were trying to control risk across 171 active projects.

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Every coverage clause turned into a debate, and every delay rippled through the field.

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TrustLayer turned that uncertainty into action, connecting compliance clarity to project speed.

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For contractors like Ziolkowski, compliance isn’t paperwork—it’s project protection.

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Company at a glance

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The challenge

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Insurance clauses like “primary and non-contributory” froze progress.

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The back office had to run every question through the broker, while 136 subcontractors waited for answers.

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With 171 jobs active, coverage confusion was costing time, money, and trust.

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The CFO knew they needed to get compliance out of email threads and into a process everyone could follow.

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The TrustLayer play

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1. 45-Minute Masterclass
In one working session, Ziolkowski’s broker and project team decoded the five clauses that actually mattered, set clear rules, and made final calls on the spot.

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2. One Contractor Cockpit
Every COI, W-9, and license moved into one live TrustLayer hub. No more email scavenger hunts—every subcontractor’s status became instantly visible.

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3. Consultative Reviews on Tap
TrustLayer analysts now vet every certificate, flagging only exceptions that truly need human input. The result: fewer questions, faster approvals, and a broker who can focus on strategy—not admin.

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The Payoff

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For years, “compliance” had been Ziolkowski’s least favorite word — an endless loop of emails, clauses, and “just-checking” calls that stalled progress more than it protected it. The irony was painful: the company could manage 171 active projects and juggle hundreds of subcontractors, but a single ambiguous line in a certificate could freeze everything. The problem wasn’t effort; it was clarity. Everyone was trying to do the right thing, but no one was looking at the same information at the same time. That’s what TrustLayer cracked open — a shared language between brokers, controllers, and project leads that made insurance talk feel less like a foreign dialect and more like a checklist everyone could finish before lunch.

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And the best part? Nothing got slower. The opposite, actually. Compliance became the invisible rhythm beneath the work — proof handled, vendors visible, risk understood. The back office stopped firefighting; the field stopped waiting. Brokers could finally focus on nuance instead of chasing PDFs. Ziolkowski’s win wasn’t just about software adoption; it was cultural. They turned compliance from an obstacle into muscle memory, the kind of quiet operational strength that makes projects hum and clients stick around. TrustLayer didn’t just organize certificates — it gave every player on the jobsite permission to move.

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Customer Voice

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The metrics show measurable efficiency; the story behind them shows something rarer — confidence. For Ziolkowski, the real shift wasn’t just faster coverage calls or cleaner data; it was watching every part of the organization finally move in rhythm. The CFO stopped translating jargon. The broker stopped firefighting. The field stopped waiting. That’s what happens when compliance stops being a bottleneck and starts being part of the build process itself.

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Frequently Asked Questions

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Q: What was slowing down Ziolkowski’s compliance process?
Clauses like “primary and non-contributory” stalled decisions. Every question had to be routed through the broker, leaving subcontractors waiting and projects exposed.

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Q: How did TrustLayer simplify the process?
In one 45-minute session, TrustLayer aligned Ziolkowski’s broker and back-office teams around the clauses that mattered most. Automated tracking replaced back-and-forth emails, and coverage calls now close in minutes instead of days.

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Q: What is the “One Contractor Cockpit”?
It’s the single hub where every subcontractor document—COIs, W-9s, licenses, safety docs—lives in one place. One login. One source of truth.

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Q: Does TrustLayer replace the broker?
No. TrustLayer complements broker expertise. Analysts handle document reviews and flag exceptions, while brokers focus on edge cases and strategy—freeing both from administrative drag.

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Q: What results did Ziolkowski achieve?

• 100% of 136 subcontractors governed under broker-approved rules
  
  
• Eight touchpoints reduced to one.
  
  
• Decisions finalized in the same meeting
  
  

Q: How quickly can other contractors see similar results?
Most see measurable improvement after their first working session. TrustLayer helps construction teams move from insurance paralysis to process power—fast.

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Ready to move at Ziolkowski speed?

If your inbox is full of COI exceptions and compliance still feels like Latin, it’s time to fix that.
👉 Book a 15-minute discovery call and see how TrustLayer transforms compliance from slowdown to superpower.