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Read a certificate of insurance

Drop in an ACORD 25 and get back every coverage line, limit, policy date and endorsement, typed out plainly. Useful when a certificate lands in your inbox and you need to know what it actually says before you file it.

The paid product

The compliance check

The reader above tells you what a certificate says. The compliance check tells you whether it satisfies the contract — because it knows your limits, your required endorsements, and which entity has to be named on that particular job.

One certificate, checked

A subcontractor certificate held against the requirement set for the project it belongs to. Everything below is real output, not a mockup.

CERTIFICATE OF LIABILITY INSURANCE ACORD 25

Insured

Sooner Electric Co.

Certificate holder

Cornerstone Builders LLC

Type of insurance	Addl Insd	Subr Wvd	Exp	Limits
General liability	X	X	04/01/2027	Each occurrence$500,000 General aggregate$1,000,000
Automobile liability	X	X	04/01/2027	Combined single limit$1,000,000
Workers compensation		X	11/14/2026	E.L. each accident$1,000,000

Description of operations

Electrical rough-in and trim. Cornerstone Builders LLC is named as additional insured with respect to operations of the named insured.

Short

2 items to fix before work startsSend this list to the agent. Asking for the specific endorsement beats asking for "an updated cert".

ProjectMidtown Medical Office

Requirement setStandard trade

Must be namedCornerstone Builders LLC
MidTown MOB Owner LLC

✕
GL each occurrence below requirement The certificate shows less than the contract requires.
Required$1,000,000
On certificate$500,000
✕
Missing a required additional insured MidTown MOB Owner LLC is not named on the certificate or in the description of operations.
RequiredBoth entities
On certificateOne of two
!
Workers comp expires in 11 days Renewal request should already be with the agent.
✓
Auto combined single limit
Required$1,000,000
On certificate$1,000,000
✓
Waiver of subrogation
RequiredIndicated
On certificateIndicated

Every vendor, one page

The view you hand to an auditor or an owner. Export it and the conversation is over in a minute.

Subcontractors — 15 tracked

Checked against each project’s requirement set

Subcontractor	Project	Coverages	Earliest expiration	Status
Precision Drywall LLC Drywall & framing	Midtown Medical Office	GLAUWCUM	04/01/2027in 217 days	Compliant
Sooner Electric Co. Electrical	Midtown Medical Office	GLAUWCUM	04/01/2027in 217 days	Deficient
Redline Mechanical Inc. HVAC	Midtown Medical Office	GLAUWCUM	11/14/2026in 11 days	Expiring
Bricktown Concrete Co. Concrete & flatwork	Midtown Medical Office	GLAUWCUM	08/21/20266 days ago	Expired
Deep Fork Flooring Flooring	Midtown Medical Office	GLAUWCUM	—	No certificate
Tallgrass Steel Erectors Structural steel	Edmond Fire Station No. 6	GLAUWCUM	04/01/2027in 217 days	Compliant

What it does that the free reader cannot

Knows your requirements

Limits and endorsements set per project or property, and per trade. Steel and roofing carry different numbers than finish trades, and the check knows which applies.

Checks the named entity

Each project or property has its own ownership entity. A certificate naming the wrong LLC is caught here rather than at claim time.

Chases the renewal

Reminders at 45, 30 and 15 days to the vendor and the agent, with the exact requirements attached so the right document comes back the first time.

Still have questions?

The trial answers most of them faster than we can — fourteen days, no card, and a sandbox already full of vendors with realistic problems to chase.

But if you would rather ask first: tell us roughly what you manage and what your requirements look like, and we will tell you honestly whether this fits. Bring a certificate and your insurance requirements exhibit if you have one handy.

Answered by a person, usually the same day. No sequence, no drip, and nobody will ring you.