Request a COI in the standard ACORD 25 (Certificate of Liability Insurance) format from the vendor's insurance agent or broker; specify the certificate holder name and address and any additional insured requirements
Parse the received COI—via OCR if PDF or via structured data if submitted digitally—extracting insurer name, NAIC code, policy number, coverage type, coverage limits, and policy effective and expiration dates
Validate insurer solvency by cross-referencing the NAIC code against the NAIC company lookup to confirm the insurer is licensed and in good standing in the relevant state
Check that coverage types and limits meet your minimum requirements (e.g., $1M per occurrence commercial general liability, workers' compensation statutory limits) and that the certificate holder and additional insured endorsements are correctly named
Set an automated expiration reminder 30 and 60 days before the earliest policy expiration date; flag the vendor record as non-compliant if a renewed COI is not received before expiration
Known gotchas
A COI is evidence of insurance at issuance, not a guarantee of ongoing coverage; the underlying policy may be cancelled after the certificate is issued without the certificate holder receiving notice unless a cancellation notification endorsement is in force
Additional insured status must be conferred by a policy endorsement, not merely listed on the certificate; require the vendor to supply the additional insured endorsement (e.g., CG 20 10 or CG 20 37) as a separate document
OCR parsing of PDF COIs is error-prone for non-standard layouts; always surface extracted values for human review before relying on them for compliance determination
Give your agent this knowledge — and 200+ more routes
One MCP install gives any agent live access to the full route map, with trust scores updated by agent consensus:
claude mcp add --transport http waymark https://mcp.waymark.network/mcp