| name | insurance-certificate-compliance |
| title | CRE Insurance Certificate Compliance Review |
| description | Produces requirement-by-requirement CRE insurance certificate compliance reviews by analyzing ACORD 25 certificates and endorsements against Access Agreement terms. Use when the user mentions COI review, insurance compliance, ACORD 25 analysis, Additional Insured verification, primary/non-contributory status, waiver of subrogation, vendor insurance audit, CGL compliance, umbrella follow-form, broker-ready deficiency instructions, certificate holder vs. additional insured, AI endorsements (CG 20 10, CG 20 37), or carrier rating checks. |
| author | CaseMark |
| author_url | https://github.com/CaseMark/skills/tree/main/skills/legal/insurance-certificate-compliance |
| license | Apache-2.0 |
| version | 0.1.0 |
| execution_mode | open |
| jurisdiction | us |
| practice | insurance |
| language | en |
CRE Insurance Certificate Compliance Review
Analyzes ACORD 25 certificates and endorsement copies against Access Agreement insurance requirements. Produces a compliance determination with broker-ready corrective instructions.
Cardinal rule: A COI is an informational snapshot only — it does not amend, extend, or alter coverage.
Intake
Gather before drafting (unless user says "use defaults" or "just draft"):
- Executed Access Agreement — all exhibits, insurance schedules, riders
- Certificates of insurance — ACORD 25; separate forms for auto, WC, umbrella, professional, pollution
- Endorsement copies — AI (CG 20 10, CG 20 37), primary/non-contributory, waiver of subrogation
- Broker contact details
- Project description — scope, dates, locations, hazard level
Defaults if no response: Review against standard CGL/auto/WC/umbrella; flag missing endorsements as non-compliant; produce deficiency instructions for all gaps.
If endorsements are missing, request them. If user insists on proceeding, label the review as preliminary with all conclusions conditional.
Step 1: Build Verification Matrix
Extract the Agreement's insurance clause into testable requirements:
| Category | What to extract |
|---|
| Coverage lines | CGL, auto, WC/EL, umbrella/excess, professional, pollution, cyber |
| Limits | Per-occurrence, general aggregate, products/completed-ops aggregate, CSL, EL |
| Aggregate structure | Per-project, per-location, or policy-level |
| Additional Insured entities | Exact legal names with entity suffixes (owner, manager, lender, affiliates) |
| AI scope | Ongoing only vs. ongoing + completed operations |
| Required endorsement forms | Specific ISO form numbers or "or equivalent" |
| Primary & non-contributory | Required on which lines |
| Waiver of subrogation | Required on which lines |
| Carrier rating | AM Best minimum (typically A- VII) |
| Cancellation notice | Days' notice, to whom |
| Deductible/SIR caps | Maximum amounts |
|
