Insurance Certificate Compliance

CRE Insurance Certificate Compliance in Minutes

12 minutes with CaseMark

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12 minutes with CaseMark

What you'll need

Executed Access Agreement
ACORD 25 Certificates of Insurance
Endorsement Copies

SOC 2 Type II · HIPAA compliant · $5 free credit

Workflow

Overview

CaseMark's Insurance Certificate Compliance skill automates the painstaking process of reviewing ACORD 25 certificates and endorsements against commercial real estate access agreement requirements. It produces a structured, requirement-by-requirement compliance determination with broker-ready deficiency instructions for every identified gap.

Reviewing insurance certificates against access agreement requirements is a tedious, error-prone process that demands meticulous cross-referencing of coverage lines, limits, endorsement forms, entity names, and carrier ratings. A single missed gap—an absent waiver of subrogation, a non-conforming Additional Insured endorsement, or an under-rated carrier—can expose property owners and managers to significant uninsured liability.

CaseMark extracts every testable insurance requirement from your executed access agreement and systematically verifies each one against the submitted ACORD 25 certificates and endorsements. The result is a comprehensive compliance report with clear pass/fail determinations and specific, broker-ready corrective instructions that can be sent immediately to remediate any deficiencies.

How it works

1. Upload your executed access agreement, ACORD 25 certificates, and available endorsement copies
2. AI extracts every insurance requirement from the agreement and builds a testable verification matrix
3. Each certificate and endorsement is analyzed requirement-by-requirement for compliance, gaps, and conditional findings
4. Review the compliance report and export broker-ready deficiency instructions in your preferred format (DOCX, PDF)

What you get

Verification Matrix (all contractual requirements mapped to testable criteria)
Coverage Line Compliance Analysis (CGL, auto, WC/EL, umbrella, professional, pollution, cyber)
Limits & Aggregate Structure Review
Additional Insured & Endorsement Verification
Primary/Non-Contributory and Waiver of Subrogation Status
Carrier Rating & Cancellation Notice Compliance
Deficiency Summary with Broker-Ready Corrective Instructions

What it handles

Requirement-by-requirement verification matrix built from access agreement terms
Coverage line analysis across CGL, auto, WC, umbrella, professional, pollution, and cyber
Additional Insured entity matching with exact legal name and suffix verification
Endorsement form validation including CG 20 10, CG 20 37, and equivalents
AM Best carrier rating checks against contractual minimums
Broker-ready deficiency instructions with specific corrective actions for every gap

Required documents

Executed Access Agreement
The fully executed access agreement including all exhibits, insurance schedules, and riders that specify insurance requirements
.pdf, .docx
ACORD 25 Certificates of Insurance
Current certificates of insurance in ACORD 25 format, plus any separate forms for auto, WC, umbrella, professional, or pollution coverage
.pdf
Endorsement Copies
Copies of relevant endorsements including Additional Insured (CG 20 10, CG 20 37), primary/non-contributory, and waiver of subrogation endorsements
.pdf

Supporting documents

Broker Contact Details
Contact information for the insurance broker to include in deficiency correspondence
.pdf, .docx, .csv
Project Description
Scope of work, project dates, locations, and hazard level information for context-specific compliance analysis
.pdf, .docx

Why teams use it

Eliminate hours of manual cross-referencing between insurance certificates and contract requirements

Catch coverage gaps, missing endorsements, and non-conforming Additional Insured language that manual reviews often miss

Generate professional, broker-ready deficiency instructions that accelerate remediation timelines

Standardize compliance reviews across your entire vendor and contractor portfolio

Questions

What types of insurance certificates does this skill analyze?

CaseMark analyzes ACORD 25 certificates along with separate forms for auto, workers' compensation, umbrella/excess, professional liability, pollution, and cyber coverage. It cross-references each certificate against your specific access agreement requirements.

Can it verify Additional Insured endorsements like CG 20 10 and CG 20 37?

Yes. CaseMark checks for specific ISO endorsement forms including CG 20 10 (ongoing operations) and CG 20 37 (completed operations), verifies exact legal entity names and suffixes, and flags missing or non-conforming endorsements. It also recognizes 'or equivalent' language in agreements.

What happens if endorsement copies are not available?

CaseMark will flag the missing endorsements and label the review as preliminary, with all related compliance conclusions marked as conditional. The deficiency instructions will specifically request the missing endorsements from the broker.

Does it check carrier financial ratings?

Yes. CaseMark verifies each carrier's AM Best rating against the contractual minimum (typically A- VII or as specified in your agreement) and flags any carriers that fall below the required threshold.

How are the deficiency instructions formatted?

CaseMark generates broker-ready corrective instructions that specify exactly what is missing or non-compliant for each requirement, making it easy to send directly to the insurance broker or vendor for remediation.

Can I use this for vendor insurance audits across multiple certificates?

Absolutely. CaseMark is designed for CRE insurance compliance workflows including vendor audits. Upload multiple certificates against a single access agreement and receive a consolidated compliance report with gap analysis for each vendor.