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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 workflow transforms the tedious process of reviewing ACORD 25 certificates against Access Agreement requirements into a structured, requirement-by-requirement compliance analysis. It extracts every testable insurance obligation from your agreement, validates each certificate and endorsement against those requirements, and produces broker-ready deficiency instructions for every gap identified.

Reviewing insurance certificates against commercial real estate access agreements is a painstaking, error-prone process that requires cross-referencing dozens of requirements across multiple documents. Missing a single endorsement, an incorrect entity name, or an inadequate limit can expose property owners and managers to significant uninsured liability. The manual process often takes hours per certificate and creates bottlenecks in vendor onboarding and lease execution.

CaseMark automates the entire compliance review by extracting every insurance requirement from your Access Agreement into a structured verification matrix, then systematically analyzing each ACORD 25 certificate and endorsement against those requirements. The result is a clear compliance determination with specific, broker-ready deficiency instructions that can be sent immediately to resolve gaps — reducing review time from hours to minutes while improving accuracy and consistency.

How it works

  1. 1. Upload your executed Access Agreement, ACORD 25 certificates, and endorsement copies

  2. 2. AI extracts every testable insurance requirement and builds a verification matrix

  3. 3. Each certificate and endorsement is analyzed requirement-by-requirement against contractual terms

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

What you get

  • Verification Matrix (Contractual Requirements Extracted)

  • Coverage Line Analysis (CGL, Auto, WC/EL, Umbrella, Professional, Pollution, Cyber)

  • Limits Compliance Table

  • Additional Insured Entity Verification

  • Endorsement Form Validation Results

  • Carrier Rating Assessment

  • Compliance Determination Summary

  • Broker-Ready Deficiency Instructions

What it handles

  • Requirement-by-requirement verification matrix built from your Access Agreement

  • ACORD 25 certificate parsing with automatic limit and coverage extraction

  • Additional Insured entity matching with exact legal name verification

  • Endorsement form validation (CG 20 10, CG 20 37, primary/non-contributory, waiver of subrogation)

  • 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 containing the contractual insurance requirements

    .pdf, .docx

  • ACORD 25 Certificates of Insurance

    Current certificates of insurance in ACORD 25 format, including separate forms for each coverage line (CGL, auto, WC, umbrella, professional, pollution)

    .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 insured party's broker to include in deficiency correspondence

    .pdf, .docx

  • 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 agreements and certificates with automated requirement extraction and verification

Ensure no contractual insurance requirement is overlooked with a comprehensive verification matrix covering limits, endorsements, carrier ratings, and entity names

Accelerate vendor onboarding and lease execution by resolving insurance deficiencies faster with precise, broker-ready corrective instructions

Reduce organizational risk exposure by catching common compliance gaps like missing Additional Insured endorsements, inadequate aggregate structures, and non-compliant carrier ratings

Questions

What types of insurance certificates does this workflow analyze?

CaseMark analyzes ACORD 25 certificates along with separate forms for auto, workers' compensation, umbrella/excess, professional liability, pollution, and cyber coverage. It also reviews endorsement copies including CG 20 10, CG 20 37, primary/non-contributory, and waiver of subrogation endorsements.

What happens if endorsement copies are not available?

CaseMark will flag missing endorsements as non-compliant and label the review as preliminary, with all conclusions marked as conditional. The output will include specific instructions to your broker identifying exactly which endorsements need to be obtained.

Can this handle multiple vendors or tenants at once?

Yes. You can upload certificates and agreements for multiple parties, and CaseMark will produce a separate compliance determination for each. This is especially useful for portfolio-level vendor insurance audits where dozens of certificates need review against the same or varying requirements.

How does CaseMark verify Additional Insured status?

CaseMark matches the exact legal names and entity suffixes specified in your Access Agreement against the certificate and endorsement language. It checks whether AI coverage extends to ongoing operations only or both ongoing and completed operations, and flags any discrepancies in entity names, missing affiliates, or insufficient scope.

Are the deficiency instructions ready to send directly to brokers?

Yes. CaseMark generates broker-ready corrective instructions that specify exactly which coverage gaps exist, what endorsement forms are needed, the required limits, and the contractual basis for each requirement. You can export and send them directly without additional drafting.

Does this replace a manual review by a risk management professional?

CaseMark dramatically accelerates the review process and ensures no requirement is overlooked, but it is designed to augment professional judgment. The output provides a comprehensive compliance framework that risk managers, asset managers, and attorneys can review and finalize with confidence.

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