# 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

| Status       | Meaning                                                            |
|--------------|--------------------------------------------------------------------|
| `pending`    | Uploaded and queued for processing                                  |
| `processing` | AI is parsing and evaluating the document                           |
| `approved`   | All requirements passed                                            |
| `flagged`    | Some requirements failed - may require manual review               |
| `denied`     | Critical requirements failed                                         |
| `error`      | Processing failed — see Edge Cases guide                           |

## 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](/content/docs/automated-certificate-review/index.html)).
2. **Contractors** - Each certificate must be associated with a contractor record. Create contractors via the [Contractors API](https://docs.1099policy.com/group/endpoint-contractor).

### Error codes