Recognized as an ACORD 25 certificate
Confirms the uploaded PDF or image is a Certificate of Liability Insurance (ACORD 25) rather than an invoice, quote, or unrelated form.
Free COI checker
Know what needs a closer look.
An automated 10-point screen of an ACORD 25 certificate against standard commercial contractor requirements. See missing limits, dates, and endorsement information in one place.
The free checker is coming soon.
COIScreen is in prelaunch. Explore an illustrative result below, or join the launch list to hear when uploads open.
An example of what you’ll see.
Everything in view.
Your vendors, their certificates, and what needs attention.
20Criteria Matched
3Discrepancy Detected
1Needs Review
| Vendor | COI status | Renewal |
|---|---|---|
| Discrepancy Detected | In 28 days | |
| Criteria Matched | In 94 days | |
| Criteria Matched | In 156 days |
Against your selected requirements
Automated Extraction Summary
Northline HVAC
Main portfolio · Sample certificate
Discrepancy Detected!
General Liability$1M each occurrence · $2M required
p. 1Workers’ CompensationCoverage dates match your criteria
p. 1Additional InsuredEntity name found on attached page
p. 1Automated optical extraction. Final verification of policy endorsements remains the responsibility of the certificate holder.
Ten checks. A clearer starting point.
Understand the information being screened before you upload. Results highlight discrepancies for your review; they do not establish or change insurance coverage.
General Liability in force today
Checks that a Commercial General Liability row exists and that today falls between the policy effective date and expiration date.
GL Each Occurrence at least $2,000,000
Checks the EACH OCCURRENCE limit on the General Liability row, stacking active occurrence-form Umbrella or Excess Liability limits when needed.
GL Aggregates at least $4,000,000
Checks both the GENERAL AGGREGATE and PRODUCTS - COMP/OP AGG limits on the General Liability row against the $4,000,000 benchmark.
Auto Liability at least $1,000,000, any auto
Checks that an active Automobile Liability policy has at least a $1,000,000 Combined Single Limit and covers Any Auto (or Owned, Hired, and Non-Owned Autos).
Workers' Comp statutory with $1M Employer's Liability
Checks that Workers’ Compensation is active with PER STATUTE ticked and $1,000,000 each for E.L. Each Accident, Disease - Each Employee, and Disease - Policy Limit.
Additional Insured marked on GL and Auto
Checks that the ADDL INSD column is marked Y on both the Commercial General Liability and Automobile Liability rows.
Additional Insured endorsement attached (ongoing and completed ops)
Inspects pages 2 and beyond for attached Additional Insured endorsement forms covering ongoing operations (such as CG 20 10) and completed operations (such as CG 20 37).
Waiver of Subrogation on GL, Auto and WC
Checks that the SUBR WVD column is marked Y or a waiver of subrogation endorsement is attached for General Liability, Auto, and Workers’ Compensation.
At least 30 days before the earliest expiration
Calculates the earliest expiration date across all required coverage lines and flags any policy expiring within 30 days.
Helpful reading for your next step.
Questions about the free checker
What happens to the PDF I upload to the free COI checker?
Unclaimed anonymous uploads are encrypted at rest, accessible only to your browser session via an httpOnly cookie, and automatically deleted after 24 hours unless you claim them into a free COIScreen account.
Why does the free checker skip Certificate Holder and Additional Insured entity names?
Because an anonymous visitor has not configured their property or company legal names yet, the free 10-point check evaluates limits, dates, checkboxes, and attached endorsement forms. When you claim the audit into a free account, COIScreen immediately re-runs the check against your exact entity names.
Can I customize the required limits after I sign up?
Yes. Free accounts include three built-in presets (Standard Commercial General Contractor, Low-Risk Janitorial / Landscaping, and Retail Tenant), and Pro and Business plans let you create custom requirement templates or extract requirements from a commercial lease PDF.