When contractors bring their own insurance, you need to verify their coverage meets your standards before they begin work. Manually reviewing COIs is time-consuming, error-prone, and doesn't scale. COI Review automates this process.

How it works

1. Upload – You submit a COI PDF via the API, associated with a contractor
2. Parse – Our AI extracts coverage details, limits, expiration dates, certificate holder, and more
3. Evaluate – The certificate is checked against your configured insurance requirements
4. Notify – You receive a webhook when processing completes with pass/fail results

What gets extracted

The AI parses COI documents to extract:

• Coverage types (General Liability, Workers' Compensation, Auto, Umbrella, etc.): The insurance policies listed on the certificate, typically shown in the main grid sections of an ACORD form.
• Policy limits (per occurrence, general aggregate, etc.): The maximum dollar amounts the policy will pay for covered claims, shown in the limits columns for each coverage type.
• Policy effective and expiration dates: The start and end dates of each policy's coverage period. Certificate holder information**: The entity that requested the certificate, shown in the bottom-left section. This is typically your organization.
• Named insured: The person or company that purchased the insurance policy, shown at the top of the form. This should match your contractor.
• Additional insureds: Other parties added to the policy for extended coverage, often listed in the Description of Operations section or via endorsement.

Certificate Statuses

Before you begin

COI Review requires two things to be in place:

1. Insurance Requirements - Define what coverage rules certificates must satisfy. This is configured in the Dashboard (see Configuring Insurance Requirements.
2. Contractors - Each certificate must be associated with a contractor record. Create contractors via the Contractors API.