Certificate Of Insurance Extraction
Does the vendor actually have the coverage the contract requires? The COI knows — if someone reads it.
Certificate of insurance (COI) extraction is the automated reading of the standardized-but-not-quite documents that evidence insurance coverage: insured and producer details, policy numbers and carriers, coverage types (general liability, auto, workers' compensation, umbrella), limits per occurrence and aggregate, effective and expiration dates, additional-insured and waiver-of-subrogation indications, and the description-of-operations text where crucial qualifications hide. Any organization that requires proof of insurance from vendors, subcontractors, tenants, or event participants accumulates COIs by the thousand — and unread COIs are unverified risk.
The ACORD 25 form gives the domain a deceptive appearance of standardization: the layout is common, but certificates arrive as faxes, scans, and photos of varying quality; carriers and brokers customize; limits appear with inconsistent formatting; checkbox semantics matter (that small "X" in the additional-insured column changes legal position); and the free-text operations description routinely overrides what the grid implies. Extraction therefore pairs form-aware field reading with checkbox recognition and language understanding of the descriptive text, feeding validation that normalizes limit amounts and dates.
Extraction is the enabling half of the real objective: compliance verification. Extracted values compare automatically against each vendor's contractual requirements — required coverage present, limits sufficient, dates current, required endorsements indicated — producing a pass, a specific deficiency list ("auto liability limit below required $1M"), or a renewal chase when expiration approaches. At portfolio scale, this converts an intractable filing-cabinet problem into live compliance visibility: which vendors are covered, which have lapsed, and which certificates claim coverage the underlying policy endorsements don't actually support — the latter feeding escalation to human specialists, since a COI is evidence of insurance, not the insurance itself.
Coverage Verification Automation
Is this actually covered? Answered by reading the policy, not by remembering it.
Policy Document Parsing
The insurance policy as it was actually issued — schedule, wording, and endorsements, structured together.
Insurance Endorsements Extraction
The policy is what the endorsements made it — extracting the amendments that change everything.
Proof Perimeter runs document AI inside your own perimeter — with a provenance record on every field.
Get Started for Free