Free COI Checker
Upload a Certificate of Insurance and get a clear PASS / FAIL report in seconds.
What the checker reviews
One upload gives you a structured review of the most common COI issues:
- Policy effective and expiration dates
- General Liability limits
- Commercial Auto limits
- Workers’ Compensation coverage
- Umbrella / Excess Liability
- Certificate Holder details
- Additional Insured wording
- Waiver of Subrogation indicators
- Missing or incomplete fields
Get an answer you can act on
Instead of a spreadsheet note or a long email thread, you get a simple result:
PASS — the certificate appears to meet your selected requirements.
FAIL — one or more requirements are missing, expired, or below your minimum limits.
NEEDS REVIEW — the certificate contains unclear language, missing endorsements, or information that should be confirmed with the broker or carrier.
Built for quick vendor checks
Use the COI Checker when a vendor, contractor, subcontractor, tenant, or service provider sends you a certificate and you need to know what is missing before they start work.
Sample report
Status: FAIL
- General Liability per occurrence is $500,000. Required: $1,000,000.
- Workers’ Compensation was not found.
- Certificate expires in 12 days.
- Additional Insured wording is missing or unclear.
Suggested vendor email
Please send an updated Certificate of Insurance showing $1M General Liability, Workers’ Compensation coverage, and Additional Insured status for [Company Name].
FAQ
Is this a replacement for an insurance broker or attorney?
No. The COI Checker reviews the document against selected requirements and flags missing or unclear items. It does not provide legal advice or guarantee that coverage is active.
What file types can I upload?
The checker is designed for PDF Certificates of Insurance, including common ACORD 25-style forms.
Can I use it for one certificate only?
Yes. The product is designed for quick one-off checks as well as repeated vendor reviews.
Disclaimer
This tool provides document-level review of Certificates of Insurance. It does not provide legal advice, insurance advice, or guarantee that coverage is active. For high-risk work, suspicious certificates, or unclear endorsements, confirm details with the issuing broker, carrier, or legal counsel.