COI Rejection Pre-Check

Find COI rejection risks before you send the packet.

Upload a vendor COI, add the requirements or endorsements you have, and get a first-pass report that tells you what may fail and what to ask the broker to fix.

Pre-send review

Check a COI packet

Follow the four steps below. If you only have the COI, upload it in Step 1, choose the closest requirement profile, and run a rejection pre-check.

Step 1

Upload the COI the vendor plans to send

Choose the Certificate of Insurance PDF. If there is a contract or separate endorsement proof, add those in the next steps.

Upload the vendor COI PDF Drop the COI here or click to choose a PDF/TXT/MD file. Required: Certificate of Insurance, usually ACORD 25.

The app checks for the fields that usually cause rejection: insured name, certificate holder, dates, limits, and required coverage wording.

Step 2

Tell us what approval path this COI must pass

Use a profile or extract requirements from a document. You stay in control of the final fields used for the pre-check.

What is this COI trying to pass?

Pick the closest approval scenario, then adjust the limits and required wording below.

Review or edit the rejection rules used for this check

General Liability each occurrence General Liability aggregate Commercial Auto limit Minimum days before expiration

Commercial Auto must be present Workers Compensation must be present Additional Insured wording is required Waiver of Subrogation is required Primary and Non-Contributory wording is required

Required certificate holder

Example: Your Company LLC, 100 Main St, City, ST. Use this when the COI must name your company, property, project, or client exactly.

Upload requirements document Drop the contract or insurance requirements file here, or click to choose it. Optional: use this if you want the app to draft the approval requirements above from a PDF/TXT/MD document.

Have the requirements in a document?

Upload the contract or vendor insurance requirements PDF, then extract draft approval rules and review them before applying.

Step 3

Add endorsement proof if the packet includes it

If the approval path asks for Additional Insured, Waiver of Subrogation, or Primary and Non-Contributory, the proof may be on separate endorsement pages.

Add optional endorsement or support documents

Leave these empty if the vendor only sent one COI PDF. The result will flag likely rejection risks when required proof is missing.

Upload Additional Insured endorsement Drop the endorsement here or click to choose it. Optional proof that the requester is named as an additional insured. Upload Waiver of Subrogation endorsement Drop the endorsement here or click to choose it. Optional proof that subrogation is waived. Upload Primary and Non-Contributory endorsement Drop the endorsement here or click to choose it. Optional proof that coverage is primary and non-contributory. Upload other supporting documents Drop files here or click to choose one or more. Optional. You can select more than one PDF/TXT/MD file.

Step 4

Run the rejection pre-check

You will get a send-readiness verdict, rejection risks, items needing review, and a vendor/broker correction email.

Use only documents you are authorized to review. This tool does not verify carriers, OCR scanned PDFs, or replace professional insurance review.

Report preview

After you run the check, this side will show the rejection risks before you send the vendor packet.

Send-readiness verdict Ready to send, likely rejected, or manual review.

Fields and limits checked GL limits, auto, workers comp, holder, dates, and required wording.

Broker correction email Copy the fix request when the COI has rejection risks.

Find COI rejection risks before you send the packet.

Check a COI packet

Upload the COI the vendor plans to send

Tell us what approval path this COI must pass

Review extracted fields before applying

Add endorsement proof if the packet includes it

Run the rejection pre-check

Start a paid review to pre-check another COI.

Broker correction email

Need a second packet checked?