Overview

Automatically evaluate contractor-provided Certificates of Insurance (COI) against your organization's insurance requirements using AI-powered document parsing and rule-based validation.

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

1099Policy automated COI review workflow

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.

PDF Limits

Only the first 2 pages of each PDF are processed. Ensure critical coverage information appears on these pages.

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.

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