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Insurance Certificate Compliance Check

COI Compliance Checks in Minutes, Not Hours

12 minutes with CaseMark

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Insurance Certificate Compliance Check

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Workflow

Insurance Certificate Compliance Check

Overview

CaseMark's Insurance Certificate Compliance Check automates the painstaking process of reviewing COI packets and endorsements against contract-specified insurance requirements. It produces defensible pass/fail/conditional determinations, detailed deficit lists, and broker-ready remediation instructions—turning hours of manual cross-referencing into a streamlined, auditable workflow.

Reviewing insurance certificates against contract requirements is one of the most tedious and error-prone tasks in commercial real estate and vendor management. Teams manually cross-reference dozens of coverage lines, limits, endorsements, and insurer ratings across multiple documents—often missing critical gaps because COI face sheets don't reflect actual policy terms. A single overlooked deficit can expose organizations to millions in uninsured liability.

CaseMark automates the entire compliance review workflow by extracting insurance requirements from your agreements, cross-referencing them against every COI and endorsement at the policy-evidence level, and producing clear pass/fail/conditional determinations. The result is a defensible compliance report with specific deficit descriptions and broker-ready remediation instructions—delivered in minutes instead of hours.

How it works

  1. 1. Upload your access agreement, COIs, and endorsement documents

  2. 2. AI extracts all insurance requirements into a normalized matrix and cross-references each certificate and endorsement

  3. 3. Review pass/fail/conditional determinations and flagged deficits for each coverage line

  4. 4. Export broker-ready remediation instructions and compliance reports (DOCX, PDF)

What you get

  • Requirements Matrix

  • COI Baseline Check Results

  • Endorsement Verification Analysis

  • Compliance Determination Summary

  • Deficit List with Remediation Instructions

  • Attorney Clarification Flags

What it handles

  • Automated requirements matrix extraction from access agreements and vendor contracts

  • Pass/fail/conditional compliance determinations for every coverage line

  • Endorsement-level verification beyond non-binding COI face text

  • Limits adequacy analysis with numeric minimum comparisons

  • Insurer rating and AM Best compliance validation

  • Broker-ready deficit lists with specific remediation instructions

Required documents

  • Access Agreement or Vendor Contract

    The executed agreement containing insurance requirements, exhibits, and any amendments that define coverage obligations

    .pdf, .docx

  • Certificates of Insurance

    ACORD 25 or ACORD 28 certificates for all required coverage lines (CGL, auto, WC/EL, umbrella, specialty)

    .pdf

  • Endorsement Copies

    Policy endorsements including additional insured, completed operations, primary/non-contributory, waiver of subrogation, and umbrella schedules

    .pdf

Supporting documents

  • Prior Compliance Reports

    Previous compliance review results or deficit correspondence for tracking remediation progress

    .pdf, .docx

  • Insurer Rating Documentation

    AM Best rating confirmations or insurer financial strength reports for carriers not listed on standard databases

    .pdf

Why teams use it

Eliminate manual cross-referencing between contracts, COIs, and endorsements with automated requirements matrix extraction

Reduce compliance risk by verifying endorsement-level evidence rather than relying on non-binding COI face text

Accelerate vendor onboarding and site-access approvals with rapid turnaround on insurance compliance reviews

Generate professional, broker-ready remediation packages that minimize back-and-forth communication cycles

Questions

What types of insurance documents can CaseMark analyze?

CaseMark processes ACORD 25 certificates, ACORD 28 property certificates, endorsement copies (additional insured, primary/non-contributory, waiver of subrogation, completed operations), umbrella schedules, and the underlying access agreements or vendor contracts that define your requirements.

Does CaseMark verify endorsements beyond the COI face sheet?

Yes. CaseMark recognizes that COI text alone is non-binding and performs endorsement-level verification for every core compliance element. It flags any requirement where only COI language exists without supporting endorsement evidence.

How does CaseMark handle vague or ambiguous contract language?

When CaseMark encounters vague clauses like 'acceptable,' 'sufficient,' or 'as required by owner,' it flags them as Attorney Clarification Required rather than making assumptions. This ensures your compliance determinations remain defensible.

Can I send the output directly to an insurance broker?

Absolutely. CaseMark generates broker-ready remediation instructions with specific deficit descriptions, required corrective actions, and referenced contract provisions so your broker can address gaps without back-and-forth clarification.

Does CaseMark check insurer financial ratings?

Yes. CaseMark validates insurer AM Best ratings and admitted/non-admitted status against your contract requirements, flagging any carriers that fall below specified thresholds.

How long does a typical compliance review take with CaseMark?

CaseMark typically completes a full compliance review in about 12 minutes, compared to the 2-4 hours a manual review often requires. Complex multi-line packets with numerous endorsements may take slightly longer.

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