Free contract-to-certificate tool

COI Coverage Limit Comparator

Compare each dollar limit in a written insurance requirement with the corresponding value displayed on a certificate of insurance.

Values stay in your browserNo certificate, contract, policy number, account, or upload is required.

Arithmetic, not coverage verification. “Meets” means only that the displayed number you entered is at least the required number you entered. The tool cannot interpret a contract or policy, combine insurance layers, verify remaining aggregates, or predict acceptance.

Identify the comparison

Use a non-confidential project reference. Do not enter policy numbers.

Project or client reference Requirement revision or date

Enter matching dollar limits

Complete only the rows in the written requirement. Leave “COI displays” empty when the corresponding value is missing or unreadable.

Coverage and fieldRequiredCOI displays

Commercial general liabilityEach occurrence

$ $

Commercial general liabilityGeneral aggregate

$ $

Commercial general liabilityProducts / completed operations aggregate

$ $

Commercial general liabilityPersonal and advertising injury

$ $

Commercial auto liabilityCombined single limit

$ $

Umbrella or excess liabilityEach occurrence

$ $

Umbrella or excess liabilityAggregate

$ $

Employer’s liabilityEach accident

$ $

Employer’s liabilityDisease — policy limit

$ $

Employer’s liabilityDisease — each employee

$ $

Professional liabilityEach claim / occurrence

$ $

Professional liabilityAggregate

$ $

Pollution liabilityEach claim / occurrence

$ $

Pollution liabilityAggregate

$ $

Non-dollar requirements: keep “statutory workers’ compensation,” additional insured, waiver, primary and noncontributory, project-specific aggregate, and endorsement copies on a separate agent checklist. They cannot be evaluated by arithmetic.

I copied the values from the current written requirement and matching certificate fields, and I understand that this is not a coverage or compliance determination.

Administrative comparison

Your field-by-field result

0Numeric matches

0Shortfalls

0Missing values

Coverage field	Required	COI displays	Difference	Status

Copy-ready follow-up

Review this draft and send unresolved insurance questions to the licensed agent or broker.

Result limit: a numeric match does not establish policy coverage, contract compliance, endorsement status, remaining aggregate, or reviewer acceptance.

Use the result in three passes

Correct transcription

Recheck every shortfall or missing value against the original documents.

Ask the agent

Let the issuing professional address limit changes, umbrella structure, and policy wording.

Ask the reviewer

Have the client clarify conflicting requirements or acceptable alternatives in writing.

Read: Each occurrence vs. aggregate · Contract-to-COI workflow · Tool disclaimer