| name | coi-compliance-review |
| title | CRE Insurance Certificate Compliance Review |
| description | Reviews CRE insurance certificates (ACORD 25) and endorsements against Access Agreement insurance requirements, producing a pass/fail compliance determination with broker-ready deficiency instructions. Verifies coverage limits, Additional Insured status, primary/non-contributory language, waiver of subrogation, umbrella alignment, and carrier qualifications. Use when reviewing COIs, ACORD forms, vendor or contractor insurance, site access insurance, or Additional Insured endorsements in commercial real estate transactions. |
| author | CaseMark |
| author_url | https://github.com/CaseMark/skills/tree/main/skills/legal/coi-compliance-review |
| license | Apache-2.0 |
| version | 0.1.0 |
| execution_mode | open |
| jurisdiction | us |
| practice | insurance |
| language | en |
| tags | ["analysis","checklist","transactional"] |
CRE Insurance Certificate Compliance Review
Reviews ACORD 25 certificates and endorsements against a CRE Access Agreement's insurance requirements, producing a defensible compliance determination with deficiency instructions.
Prerequisites
- Access Agreement — executed or signature-ready, with all exhibits, insurance schedules, riders, and property rules
- All COIs — ACORD 25 (CGL); separate forms for auto, WC/EL, umbrella/excess, professional, pollution, builder's risk as required
- Endorsements — Additional Insured (e.g., CG 20 10, CG 20 37), primary/non-contributory, waiver of subrogation
- Recipient details — insurer/broker contacts; exact legal name of accessing party and all required Indemnitees
- Project scope — work description, access dates, locations, heightened-risk activities (hot work, roofing, structural, environmental, confined space)
If endorsements are required but not provided, pause and request them. If user insists, issue a preliminary conditional review with unverified conclusions clearly labeled.
Quick Start
- Build a verification matrix from the insurance clause (Step 1)
- Run the ACORD 25 internal checklist (Step 2)
- Verify Additional Insured endorsements (Step 3)
- Verify Primary & Non-Contributory endorsements (Step 4)
- Check ancillary requirements — waivers, limits, carrier rating, cancellation, SIR (Step 5)
- Issue compliance determination with deficiency instructions (Step 6)
Output Structure
Step 1 — Build Verification Matrix
Extract all insurance clause requirements into testable items before reviewing any COI:
| Requirement | Contractual Standard | Evidence Required |
|---|
| CGL form | Occurrence (not claims-made) | COI policy type field |
| CGL per-occurrence | $[X] | COI limits box |
| CGL general aggregate | $[X] | COI limits box |
| Products/Completed Ops agg | $[X] | COI limits box |
| Aggregate basis | Per project / Per location / Policy | COI "Limits Apply Per" field |
| Auto CSL | $[X] / "Any Auto" | COI auto section |
|
