InsuranceCheck — Certificate of Insurance Verification
Verifies 16 seeded vendor COIs against contract requirements per risk tier. Checks coverage limits across 6 lines (GL, Auto, WC, Umbrella, E&O, Cyber), endorsements (Additional Insured, Waiver of Subrogation, Primary & Non-Contributory, 30-day Cancellation), A.M. Best rating, and expiry.
What it is
The 30-second answer to “is this vendor’s certificate of insurance actually compliant with what the contract requires?” For every COI: per-line coverage check, endorsement audit, A.M. Best rating verification, expiry tracking.
What it checks
- 16 seeded vendor COIs across construction (concrete, glazing, welding), IT/SaaS (cloud hosting, security), logistics (trucking, freight), professional services (HR consulting, lab calibration), healthcare (telehealth), facilities (janitorial, catering).
- Risk tiers drive requirements:
- Tier A (critical/on-prem): GL $2M, Auto $1M, WC $1M, Umbrella $5M, E&O $2M (if applicable), Cyber $5M (if applicable). Must have: Additional Insured + Waiver of Subrogation + Primary & Non-Contributory + 30-day Cancellation. A.M. Best A- minimum.
- Tier B (standard): GL $1M, Auto $1M, WC $1M, Umbrella $2M. Must have: AI + Waiver + 30-day cancellation. A.M. Best B+ minimum.
- Tier C (low risk): GL $1M, WC $1M. Must have: Additional Insured.
- Coverage check — every line compared to tier requirement. Missing or under-limit flagged.
- Endorsement audit — CG 20 10 (or equivalent) Additional Insured, Waiver of Subrogation, Primary & Non-Contributory wording, 30-day Cancellation. Each tier specifies which are required.
- A.M. Best rating — full hierarchy (A++ through D) compared against tier minimum.
- Expiry tracking — sorted with expired-first.
Why this shape
Vendor COI verification is one of the most outsourced compliance tasks (to brokers, to insurance-compliance platforms, to law firms). The schema is universal — every COI is an ACORD 25 form with the same fields. The decision logic is mostly per-tier. This tool prototypes the rules engine directly: tier → required limits + required endorsements → finding.
When a $48M general-contractor’s COI is missing the Waiver of Subrogation, the cost of a third-party injury claim falls 100% on the GC’s policy instead of the sub’s. InsuranceCheck catches it before the claim happens.
How it ships
Single HTML file, ~30KB. Zero dependencies. The tier requirements catalog, A.M. Best hierarchy, coverage check, endorsement audit, and findings generator are 310 lines of vanilla JavaScript.