Verification

Reading the certificate is a solved problem.

A proprietary interpreter reads the ACORD form with computer vision and OCR, extracts every field, and matches it against your requirement set. What used to take 15 to 30 minutes takes seconds.

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90% COI automation rate, with edge cases flagged for review.

What gets read

Four things the interpreter pulls off the page.

Limits are the easy part. Endorsement scope is where manual review usually falls short.

Every field on the ACORD

Policy numbers and carrier, per-occurrence and aggregate limits, effective and expiration dates, named and additional insureds, endorsements, and exclusions.

Multi-certificate files

A single PDF holding several certificates gets each policy pulled out separately, rather than read as one document.

Matched per property

Requirement sets differ by property and risk tier, with owner add-on bundles evaluated server-side rather than remembered by a person.

The reason, not just the verdict

A rejection names what failed. Insufficient general liability, missing endorsement, expired workers comp. The vendor gets an itemized fix list.

Coverage checked

Four policy types, each with its own checklist.

  • General liability: occurrence and aggregate limits, additional insured endorsements, primary and non-contributory, waiver of subrogation, exclusions

  • Workers compensation: active status, statutory limits by state, experience modification rate, employer liability

  • Auto liability: combined single limit, vehicle schedule, hired and non-owned, MCS-90 where required

  • Excess and umbrella: limits, underlying coverage, follow-form provisions, drop-down coverage

What closes the loop

Most compliance tools stop at non-compliant. That is a buyer with no seller.

When a gap is real, InsurePro places coverage in the same flow at roughly $99 per vendor per year, in 49 states. The vendor goes from non-compliant to covered in minutes rather than losing weeks.

Verification tells you the answer. Placement changes it.

FAQ

Verification questions

What exactly gets checked on general liability?
Per-occurrence and aggregate limits, additional insured endorsements, primary and non-contributory status, waiver of subrogation, and exclusions. The typical requirement is $1M per occurrence and $2M aggregate, but requirement sets are per property.
How do you handle workers compensation for small trades?
Active policy status, limits, state compliance, experience modification rate, and employer liability limits. There is also a business rule that accepts higher general liability limits when an employer liability policy is absent, which matches how our own operator treats high-risk work.
What about auto and umbrella?
Auto checks combined single limit or split limits, vehicle schedule, hired and non-owned auto, MCS-90 endorsement where required, and policy status. Umbrella checks limits, underlying coverage verification, follow-form provisions, and drop-down coverage.
What is the 10% that does not automate?
Unusual layouts, handwritten additions, and genuinely ambiguous endorsement language. Those are flagged for human review, which is the system working. A tool claiming 100% is hiding its failures in your compliance file.
Does it verify with the carrier directly?
No. IDCore reads the certificate and endorsements the vendor provides. Real-time carrier verification is a different architecture and some competitors offer it. Worth knowing which you are buying.

Send the messiest certificate you have.

Handwritten additions, three policies in one PDF, an endorsement nobody can parse. That is the useful test.

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