Certificate of Insurance Verification
Need to verify a Certificate of Insurance before approving a vendor?
Upload the COI and get a document-level verification report showing whether the certificate appears complete, current, and aligned with your requirements.
What verification checks
The verification report reviews:
- Named Insured
- Producer / broker information
- Insurance carrier names
- Policy numbers
- Effective and expiration dates
- Coverage types and limits
- Certificate Holder
- Additional Insured indicators
- Waiver of Subrogation indicators
- Formatting or missing-field red flags
Document-level verification vs carrier confirmation
A COI can show evidence of coverage, but it is not the insurance policy itself.
This tool helps you review the document quickly and identify issues that should be corrected or confirmed. For high-risk work, suspicious certificates, or unclear endorsements, you may still need to contact the broker or carrier directly.
Common red flags
The checker flags common issues such as:
- Expired policies
- Missing Workers’ Compensation
- Limits below your requirement
- Vendor name mismatch
- Certificate Holder mismatch
- Missing signature or producer information
- Unclear Additional Insured language
- Inconsistent formatting or incomplete fields
FAQ
Can this confirm that a policy is active today?
The checker reviews the COI document and flags expiration dates, missing details, and inconsistencies. Direct confirmation with the broker or carrier may still be required.
Can a COI be fake?
Yes. Certificates can be altered or incomplete. The tool flags document-level warning signs, but suspicious certificates should be confirmed with the issuing broker or carrier.
What is the difference between verification and compliance checking?
Verification checks whether the certificate appears complete and current. Compliance checking compares it against your specific insurance requirements.
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.