Certificates of insurance, checked against the policy before your team signs.

An insured forwards a subcontract, a lease or a lender's letter and asks for a COI. Today an account manager reads the insurance requirements, opens the policy and its forms schedule, then issues an ACORD 25 or ACORD 28 to the holder, or writes back that something has to be endorsed first.

In the proof of concept, AI does the reading. It lists each requirement, marks whether the policy as written meets it, and drafts the certificate fields: holder, coverage lines and limits, the ADDL INSD and SUBR WVD marks, and the Description of Operations wording. Nothing is issued.

A general contractor's insurance exhibit often names ISO forms outright: additional insured status for ongoing and completed operations (CG 20 10 and CG 20 37), coverage on a primary and non-contributory basis (CG 20 01), and waivers of subrogation on general liability (CG 24 04), auto (CA 04 44) and workers' comp (WC 00 03 13). Workers' comp has no additional insured, so the waiver is the only ask that fits that line. A good draft sorts every requirement by coverage line before a single box is marked.

The answer usually sits in the forms schedule, not the declarations. Many contractor policies carry a blanket additional insured form that applies when a written contract requires it, such as CG 20 33, CG 20 38 or a carrier's own version, while others need the holder scheduled by name. Since the 04 13 editions, ISO's additional insured forms give no broader coverage than the contract requires, so the account manager sometimes needs the subcontract itself, not just the insured's email. A draft that marks ADDL INSD without that check is the first mistake your reviewer will look for.

Some asks can't be met on a certificate at all. ACORD's 2009 revision of the ACORD 25 dropped the old promise to try to mail advance notice of cancellation, and the current form says notice goes out as the policy provides. A holder who wants 30 days' notice needs an endorsement on the policy, not a typed sentence. The same goes for a holder's own certificate form, or wording that would widen coverage: the draft flags it and suggests the reply, and your account manager decides. These are short summaries of public form pages, not legal advice.

Property and state rules add their own forms. Lenders and landlords usually want evidence of commercial property on the ACORD 28, with the mortgagee or loss payee shown, and a commercial lease often calls for an ACORD 25 and an ACORD 28 together. On New York construction jobs, owners often want the ACORD 855 NY addendum, which states whether common construction exclusions are on the policy. Requests that spill past the Description of Operations box go on the ACORD 101 Additional Remarks Schedule.

Where the answer is stored shapes the test. In Applied Epic, certificates sit under Proofs of Insurance, and each holder carries its own Description of Operations and its own Additional Insured On and Subrogation Waived On settings. AMS360 works from a master certificate, and holders can share the master's description. Either way, wording copied forward at renewal is where stale project names and old additional insured lists hide, and that is what your reviewer reads line by line.

If your reviewer says yes, the same job runs on new certificate requests for about 30 days.

Each draft waits for a licensed account manager to check and issue it. The AI never signs, never sends a certificate to a holder, and never marks a box the policy doesn't support. Every flag comes with its reason and the policy page behind it.

Your reviewer keeps scoring the same way, so the live month is judged like the test.