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Coi Compliance Review

COI Compliance Reviews in Minutes, Not Hours

12 minutes with CaseMark

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Coi Compliance Review

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Coi Compliance Review

Overview

CaseMark's COI Compliance Review automates the painstaking process of verifying insurance certificates against commercial real estate Access Agreement requirements. It builds a complete verification matrix from your contract's insurance clause, then systematically checks every ACORD 25 certificate and endorsement for compliance, producing a defensible pass/fail determination with broker-ready deficiency instructions.

Reviewing COIs against Access Agreement requirements is one of the most tedious yet high-stakes tasks in commercial real estate. Analysts must manually cross-reference dozens of coverage limits, endorsement forms, carrier ratings, and policy language across multiple documents—often under tight deadlines. A single missed deficiency can leave property owners exposed to uninsured losses.

CaseMark transforms COI compliance review from a multi-hour manual exercise into a structured, AI-driven workflow. By automatically extracting every testable requirement from your Access Agreement and systematically verifying each certificate and endorsement, CaseMark delivers comprehensive compliance determinations with precise, broker-ready deficiency instructions—ensuring nothing falls through the cracks.

How it works

  1. 1. Upload your Access Agreement, ACORD 25 certificates, and endorsements

  2. 2. AI extracts every insurance requirement into a testable verification matrix

  3. 3. Each certificate and endorsement is analyzed against contractual standards with pass/fail determinations

  4. 4. Review the compliance report and export broker-ready deficiency instructions (DOCX, PDF)

What you get

  • Verification Matrix

  • ACORD 25 Internal Checklist Results

  • Additional Insured Endorsement Analysis

  • Primary & Non-Contributory Verification

  • Ancillary Requirements Check (Waivers, Carrier Rating, SIR, Cancellation)

  • Compliance Determination with Broker-Ready Deficiency Instructions

What it handles

  • Automated verification matrix built from your Access Agreement's insurance clause

  • Pass/fail compliance determination for every coverage requirement

  • Additional Insured endorsement verification (CG 20 10, CG 20 37, and more)

  • Primary & non-contributory and waiver of subrogation language checks

  • Carrier qualification and AM Best rating validation

  • Broker-ready deficiency instructions with exact corrective actions

Required documents

  • Access Agreement

    Executed or signature-ready Access Agreement including all exhibits, insurance schedules, riders, and property rules

    .pdf, .docx

  • ACORD 25 Certificates

    All certificates of insurance (CGL, auto, WC/EL, umbrella/excess, professional, pollution, builder's risk as applicable)

    .pdf

  • Insurance Endorsements

    Additional Insured endorsements (e.g., CG 20 10, CG 20 37), primary/non-contributory endorsements, and waiver of subrogation endorsements

    .pdf

Supporting documents

  • Project Scope Description

    Work description, access dates, locations, and any heightened-risk activities (hot work, roofing, structural, environmental, confined space)

    .pdf, .docx

  • Recipient Contact Details

    Insurer and broker contact information, exact legal names of accessing party and all required Indemnitees

    .pdf, .docx, .xlsx

Why teams use it

Eliminate hours of manual cross-referencing between contracts and certificates with automated verification matrices

Catch coverage gaps, missing endorsements, and non-qualifying carriers before they become liability exposure

Generate professional deficiency instructions that brokers can act on immediately, accelerating compliance turnaround

Ensure consistent, defensible compliance determinations across your entire portfolio of access agreements

Questions

What types of insurance certificates does this skill review?

CaseMark reviews ACORD 25 certificates for CGL, auto, workers' compensation/employer's liability, umbrella/excess, professional liability, pollution, and builder's risk coverage. It handles the full range of certificates typically required in commercial real estate access agreements.

Does it verify Additional Insured endorsements?

Yes. CaseMark checks specific endorsement forms like CG 20 10 and CG 20 37, verifies that the correct parties are named, and confirms the endorsement language matches your Access Agreement's requirements. Any gaps are flagged with precise corrective instructions.

What happens if endorsements are missing from the upload?

CaseMark will flag missing endorsements and can produce a preliminary conditional review with unverified conclusions clearly labeled. This ensures you know exactly what's outstanding and can request the missing documents from the broker.

Can this handle heightened-risk activities like hot work or environmental remediation?

Absolutely. CaseMark accounts for project scope details including hot work, roofing, structural work, environmental activities, and confined space operations, verifying that coverage limits and endorsements meet the elevated requirements these activities demand.

How does the deficiency output work?

CaseMark produces broker-ready deficiency instructions that specify exactly what is non-compliant, cite the contractual standard, and describe the corrective action needed. You can send these directly to the insured's broker to expedite remediation.

Is this suitable for vendor and contractor insurance reviews beyond CRE?

While optimized for commercial real estate Access Agreements, CaseMark's COI Compliance Review works for any scenario requiring ACORD 25 verification against contractual insurance requirements, including vendor management, contractor onboarding, and site access approvals.

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