Free pre-submission tool

COI Rejection Risk Checker

Review common administrative gaps before sending a contractor certificate of insurance to a client, general contractor, or property manager.

Private by designYour answers are calculated in this browser and are not submitted to our server.
This is not coverage verification. The checker cannot read a policy, authenticate a certificate, determine legal compliance, or predict whether a reviewer will accept a submission.
1Requirement sourceDo you have the client’s current written insurance requirements?

Use the contract exhibit, onboarding instructions, portal request, or a current written email—not a remembered summary.

2Business identityDoes the named insured match the contracting business’s exact legal name?

Compare spelling, punctuation, suffixes such as LLC or Inc., and any trade name requested by the client.

3Policy periodIs each required policy active, with no known gap before the project starts?

An active certificate today may still create a scheduling issue if the policy expires before mobilization.

4Policy periodHave you compared policy expiration dates with the expected project end date?

A renewal during the project may require a new certificate and updated supporting documents.

5Coverage and limitsDo the displayed limits meet or exceed each written requirement?

Review each occurrence, aggregate, auto, employer’s liability, and umbrella requirement separately.

6Coverage and limitsAre all coverage lines requested by the client represented?

Depending on the request, this may include general liability, auto, workers’ compensation, employer’s liability, umbrella, professional, or pollution coverage.

7Requested partiesDoes the certificate holder name and address match the written request?

The certificate holder may be different from the project owner or entities requested as additional insureds.

8Requested partiesIf additional insured status is required, has the agent confirmed the applicable policy endorsement?

A certificate-holder listing or description alone should not be assumed to grant additional insured status.

9Endorsement questionsIf primary and noncontributory status is required, has the agent confirmed how the policy addresses it?

Ask which endorsement or policy wording responds to the written requirement.

10Endorsement questionsIf a waiver of subrogation is required, has the agent confirmed the applicable endorsement?

Requirements can differ by coverage line and jurisdiction. Do not infer a waiver from unrelated certificate text.

11Supporting evidenceAre all specifically requested endorsements or supporting documents ready to submit?

Some reviewers request executed endorsement copies in addition to the certificate.

12Project detailsDo the project, location, operations, and requested entity details match the instructions?

Only information supported by the policy and accepted by the issuing party should appear in a certificate description.

How to use the result

1

Keep the written request

Save the current contract exhibit or client instruction with your review.

2

Ask, do not assume

Take unresolved policy and endorsement questions to the issuing agent or broker.

3

Recheck the returned file

Compare the newly issued certificate and attachments with the same written request.

Methodology version 1.0 · September 2026 · Scoring and source details · Insurance and legal disclaimer