insurance-certificate-compliance-check

name	insurance-certificate-compliance-check
title	Insurance Certificate Compliance Check
description	Performs contract-driven compliance review of insurance certificates and endorsements against CRE/site-access and vendor agreement requirements. Produces pass/fail/conditional determinations, deficit lists, and broker-ready remediation instructions. Use when reviewing COI packets, ACORD 25 forms, or endorsements for additional insured, primary and non-contributory, waiver of subrogation, completed operations, umbrella alignment, limits adequacy, or insurer rating compliance. Trigger terms: COI, ACORD, additional insured, certificate holder, cancellation notice.
author	CaseMark
author_url	https://github.com/CaseMark/skills/tree/main/skills/legal/insurance-certificate-compliance-check
license	Apache-2.0
version	0.1.0
execution_mode	open
jurisdiction	us
practice	insurance
language	en

Insurance Certificate Compliance Check

Compares Access Agreement insurance requirements to COI and endorsement evidence to produce a defensible compliance determination with actionable deficit remediation.

Prerequisites

1. Access Agreement (final) with insurance clause, exhibits, and amendments
2. COIs for all required lines: CGL, auto, WC/EL, umbrella, specialty
3. Endorsement copies: AI, completed-ops AI, primary/non-contributory, waiver of subrogation, umbrella schedule
4. Recipient legal names, required AI entities, project scope
5. Access dates, locations, post-completion carry-forward period
6. Governing law / jurisdiction
7. Delivery recipients and privilege instructions

Quick Start

1. Extract all insurance requirements from the agreement into a requirements matrix
2. Run COI baseline checks against each requirement
3. Verify endorsement-level evidence for every core element — COI text alone is non-binding
4. Assess risk and coverage-structure gaps
5. Apply jurisdiction-specific considerations
6. Output compliance determination with deficit list

Workflow

Step 1: Build Requirements Matrix

Extract from agreement into normalized rows:

Category	Extract	Normalize to
Coverage types	CGL, auto, WC/EL, umbrella, specialty	[line]: [form/limits/scope]
Limits	Occurrence, aggregate, products-completed, per location/project	Numeric minimums + frequency
AI scope	Named entities and affiliates	Exact legal names + ongoing/completed
Priority terms	Primary/non-contributory	Which policies/lines
Waiver of subrogation	Which lines require waiver	CGL/WC/auto/property
Notice/ratings	Cancellation notice, AM Best, insurer status	Required evidence
Special clauses	Exclusions, endorsements by form number	Must be checked

Flag vague clauses (acceptable, sufficient, as required by owner) as Attorney Clarification Required.

Step 2: COI Baseline Checks

These are information-only — not proof of coverage: