Free Checklist | 27 Checks | 8 Phases

The 27-Point COI Checklist
AEC Firms Use to Stop Bad Certificates
Before Subs Mobilize

Built from the contract language, endorsement forms, and carrier checks that actually matter. Use it on every incoming COI to keep uninsured subs off your jobsite and off your balance sheet.

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27
Verification Checks
8
Workflow Phases
6 min
Per Cert, Done Right

What's inside

Five things most
AEC firms' COI process doesn't cover

Open the file, start running your next incoming cert through it. Most firms find at least one deficiency on the first pass.

01
The exact 27 checks to run on every ACORD 25, organized into 8 phases you can work through in under 6 minutes.
02
Why the face of the certificate is NOT proof of endorsement, and the specific form numbers to ask for instead (CG 20 10, CG 20 37, and three more).
03
A renewal-chase cadence (60/30/15 days) that catches gaps before the expiration date instead of after.
04
A "what to write when rejecting a COI" template that cites contract sections so agents fix deficiencies on the first resubmission.
05
A time-cost calculator showing what manual COI review is actually costing your firm per year.

The 8 phases

Every phase your team should run
on every incoming cert

Phase 5 is where most AEC firms fail. The ACORD 25 face is not proof of endorsement - the real coverage lives in the policy endorsement forms.

Phase 1
The Document Itself
3 checks · 60 sec
Phase 2
Named Insured & Certificate Holder
3 checks · 45 sec
Phase 3
Coverage Types by Contract
5 checks · 90 sec
Phase 4
Dates & Policy Numbers
3 checks · 30 sec
Phase 5
Required Endorsements
5 checks · 90 sec
Phase 6
Carrier Quality
2 checks · 30 sec
Phase 7
File It the Right Way
3 checks · 60 sec
Phase 8
Communicate Status
3 checks · 30 sec

Two things you're probably thinking

The honest answers
before you hit download

"We already have a COI process."
Run your last 10 received certs through this checklist. If all 10 pass every point, you're in the top 5% of AEC firms - and you don't need this. If even one fails, you'll see exactly where the gaps are.
"This sounds like a lot of work."
It is. That's the point. Manual COI review at an AEC firm with 40+ active subs takes 10-25 hours a year per project. The checklist shows you where that time is going so you can decide whether to keep doing it in-house.

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Free. No gate on the
first three phases.

Drop your email. The full PDF arrives instantly. Use it on your next incoming COI, keep it for every one after.

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Want to skip the 6 minutes per cert?

COI Autopilot runs all 27 checks
on every incoming cert automatically.

Chases renewals at 60, 30, and 15 days out. Sends deficiency letters that cite the exact contract section a sub violated. Software-with-services model — tiered subscription based on active subcontractor count. Live in 30 days.

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