COIVerify reads the subcontract's insurance requirements, the ACORD 25 and every endorsement. It checks each requirement and shows you exactly where it found each answer. Your team confirms the verdict, and the whole review is on record.
Contracts ask for specific limits, endorsements and wording. Checking them line by line is slow, and the misses become E&O claims.
The insurance exhibit becomes a checklist of requirements, each with the contract's own words. Requirements are versioned per account and per project.
The ACORD 25 is read from its layout. Endorsements are read for form, edition, schedule, blanket wording, notice days and policy number.
Met, gap, or to confirm, with the exact spot on the page and the clause in the contract. Anything unreadable becomes "to confirm", never a guess.
Confirm the verdict, send the drafted gap email, and keep the evidence pack.
Each finding comes with a cut-out of the certificate or endorsement page, the spot outlined: red for a gap, amber to confirm, green for a pass. The contract clause it was checked against is highlighted next to it.
§4.3(c) Subcontractor shall provide a waiver of subrogation on automobile liability in favor of the Contractor and Owner…
Illustrative example
Each requirement is checked with plain, versioned rules: met, gap, or to confirm.
General liability, auto, umbrella, workers comp and employers liability, pollution and professional.
Occurrence form and per-project aggregate.
Ongoing and completed operations, primary and non-contributory, and the named additional insureds.
Waivers of subrogation, and owners or officers not excluded.
Certificate holder and notice of cancellation.
Endorsements matched to the certificate's policy numbers.
Blanket additional insured wording when a signed subcontract is on file? Notice of cancellation on general liability only? Your agency decides once for the client, and every later review follows that ruling, labelled as yours.
Rulings are your agency's, recorded with who made them, and shown on every review they affect.
A gap email with a fix list for the subcontractor or the client, a client note, and an approval email. Your team reviews and sends.
Every review produces an evidence pack, as a PDF or JSON.
Every document, with its fingerprint.
The requirements version and the rulings in force.
Every check run, and every AI step.
Every decision, and who made it.
The register keeps every certificate by subcontractor and project, with upcoming and lapsed expirations. Ask in chat, "What do I still need from Brightline?", and the answer comes from the review's own records.
COIVerify recommends a verdict: approved, approved with conditions, or not approved. A person confirms it. Approval is refused while the insured's name or a policy's expiration wasn't read. How our agents work →
A clear list of what to ask for, with the gap email already drafted.
Every certificate decision on record: what was received, what was checked, and who decided.
Bring a subcontract and a certificate. We'll show you the review, the findings and the evidence pack.
Most pilots start within a week, and the first 30 days are free.