Certificate of insurance check for general contractors
See where a subcontractor's certificate falls short of your contract, and what to ask them to fix.
Enter your subcontract's insurance requirements once. Import each certificate PDF (or type it in from a scan) and COIGap compares GL limits, policy expiration against your coverage-through date, the certificate holder, and the additional insured and waiver of subrogation requirements. You get a detail view and a correction list per subcontractor.
Check a certificate Try the demo Sample certificate PDF
- PDFs never leave your browser. Text PDFs are read on your device with PDF.js; scans are transcribed by you. No upload, no insurer lookup.
- One certificate free, with its detail, correction list and CSV. No account.
- $49 once per project for every certificate in the project, the full CSV and a printable correction report per subcontractor, including certificates you add later.
| Contract requires | GL $1,000,000 each occurrence / $2,000,000 aggregate, coverage through 12/31/2027, additional insured and waiver of subrogation |
|---|---|
| Sample Drywall Co. (fictional) | GL $1,000,000 / $1,000,000, expires 06/30/2027, ADDL INSD box marked, SUBR WVD box not marked, no endorsement copies |
- Discrepancy GL general aggregate $1,000,000 is below the required $2,000,000
- Discrepancy GL expires 06/30/2027, before the required 12/31/2027
- Missing Additional insured endorsement: a marked ADDL INSD box is not the endorsement; ask for the form itself
- Unclear: verify A value read from PDF text that you have not verified yet is never counted as a match
Example from the demo; your results depend on your contract and certificates. COIGap compares fields as stated; it does not determine coverage.
Check your certificates
Loading…
How it works
- Enter the contract requirements. From the subcontract's insurance exhibit: GL each occurrence and general aggregate (USD), the date coverage must stay in force through, the certificate holder's name and address, and whether additional insured and waiver of subrogation endorsements are required. Optional: auto combined single limit, umbrella/excess and employers' liability.
- Import the certificate PDF. If the PDF has selectable text, COIGap proposes the limits, policy dates, insured and holder it finds. Each proposed value stays unverified until you tick that it matches the certificate. Scanned or unrecognized PDFs: show the pages here and type the fields in.
- Record the boxes and the endorsements yourself. Note whether the ADDL INSD and SUBR WVD boxes are marked, and separately whether you actually received each endorsement. A marked box is never treated as the endorsement.
- Send the correction list. Each certificate gets a detail view and a plain-English list of what to ask the subcontractor or their agent for. With the project report, print one correction report per subcontractor or export everything as CSV.
What COIGap reports
Discrepancy
A value you verified or entered conflicts with the contract as entered: a limit below the minimum, a policy that expires before the coverage-through date (or has already expired), a holder that does not name your company, or an ADDL INSD / SUBR WVD box that is not marked although the contract requires it.
Missing and Unclear: verify
Kept apart from discrepancies. Missing: a field is blank, or an endorsement has not been received. Unclear: a value read from PDF text that you have not verified, a value that is not a plain amount or date, or a holder address that differs from what you entered.
User-confirmed: broker review
You confirmed you hold a copy of the endorsement. COIGap does not read endorsement wording, so this is never shown as a pass: have your broker review it against the contract.
Matches requirement (as stated)
Only for a value you verified or typed, and only for what the certificate states. The best overall result is No discrepancies in the checked fields, never "compliant" or "approved".
Strict on purpose: no false green
- Unverified is never a match. Text-extracted values stay unclear until you check them against the certificate.
- A checked box is not an endorsement. The ADDL INSD and SUBR WVD boxes are recorded as indicators only; the endorsement itself is a separate item you confirm, subject to broker review.
- Contract fields only. COIGap compares what the certificate states with what you entered from the contract. It never contacts an insurer and makes no coverage, compliance or approval claim.
- Certificate text is shown as plain text, never as HTML, and the CSV export neutralizes spreadsheet formulas.
Certificates it reads
- Text PDFs of the common one-page certificate of liability insurance (for example ACORD 25 style forms): EACH OCCURRENCE, GENERAL AGGREGATE, the policy effective/expiration pair on a coverage line, COMBINED SINGLE LIMIT, umbrella EACH OCCURRENCE, E.L. EACH ACCIDENT, INSURED and CERTIFICATE HOLDER.
- Scanned or image-only PDFs have no selectable text. COIGap says so, shows the pages on your screen and you transcribe the fields. No OCR guesses.
- Password-protected, damaged or unusual PDFs: enter the certificate manually.
- Fictional samples: text PDF certificate, image-only PDF.
Pricing
Free
$0
- One certificate: its full detail and correction list
- CSV of that certificate's checked items
- Project-wide counts for every certificate you add
- Demo project and fictional sample PDFs
Full project report
$49 USD, once per project
- Batch results: every certificate's detail and correction list
- CSV with every checked item of every certificate
- Printable correction report per subcontractor (print or save as PDF)
- Add and re-check certificates in the same project later; no subscription; card (Square) or PayPal
The purchase is bound to the project ID and its case ID through a one-way SHA-256 fingerprint computed in your browser, not to the documents, so it keeps working as you add certificates. Another project needs its own purchase.