AI COI Review That Reads Every Endorsement

AI COI review software reads certificates of insurance, endorsements, and supporting documents and checks them against your insurance requirements. PINS AI answers custom review questions built from your contracts, shows the reasoning behind each answer, and links to the page it came from. Your team makes the final compliance decision.

Endorsement review software reads the endorsements attached to a certificate of insurance and checks their wording against your contract requirements. A certificate shows that coverage exists, but the endorsements decide who is covered and how. PINS reads the actual wording on additional insured, primary and non-contributory, and waiver of subrogation endorsements automatically, identifies restrictive language, and leaves every decision to your team.

PINS identifies additional insured endorsements that do not cover the parties or operations your contract requires, including completed operations. It checks for primary and non-contributory and waiver of subrogation wording, and red flag questions identify restrictive language, such as privity of contract wording that limits coverage to parties with a direct contract. You can also add your own review questions by document, by endorsement, or by policy, and every finding links to the source language.

No. A certificate of insurance is issued for information only and does not change the policy, so a checked additional insured box only shows that the status was reported. The endorsement attached to the policy is what creates additional insured status and defines its scope. That is why PINS reviews the endorsement wording as well as the certificate.

Yes. When a vendor sends a blanket form such as CG D3 81 instead of the CG 20 10 and CG 20 37 your contract names, PINS AI reads the actual wording and confirms whether it provides equivalent coverage for ongoing and completed operations. The finding shows its reasoning and links to the page where the wording appears. Your team reviews the finding and makes the call.

Yes. Blanket endorsements extend additional insured status to parties the named insured is required to add by written contract, so the wording matters more than the form number. PINS AI reads the blanket wording and checks it against your requirements. Red flag questions identify wording that limits coverage to parties with a direct contract, a common restriction in blanket forms.

Trust it the way you would trust a careful first reviewer: check its work. PINS AI shows the reasoning and source page for every answer, marks anything it cannot confirm as needs review, and never auto-approves. Your team confirms each result before it counts.

99%+ of PINS AI findings are confirmed by customer reviewers without changes, based on PINS customer review data. Because every answer cites its source, your team can check any result in seconds.

For why that distinction matters when evaluating any COI platform, see AI in COI Tracking: How Much Should the AI Decide.

PINS AI reads documents reliably, but PINS is built so your team still verifies the outcome. Each result includes the reasoning and a link to the exact page, so verification takes seconds instead of a full read of the document. That keeps a person accountable for every compliance decision.

Open the linked page and compare it to the AI’s reasoning. PINS shows which document and page each answer came from, so reviewers can confirm, mark an item non-compliant, or waive it. Every decision is logged on the vendor record.

Yes. PINS AI reads the actual language in each endorsement and checks whether it provides coverage equivalent to what your contract requires, including additional insured for ongoing and completed operations, primary and non-contributory, and waiver of subrogation. It also identifies restrictive language, such as privity of contract wording that limits additional insured status to parties with a direct contract. Your team makes the final compliance decision.

The reading and review run automatically. The decisions do not. PINS AI reads each document and identifies issues, and your team marks each requirement compliant, non-compliant, or waived. For more on where that line should sit, see AI in COI Tracking: How Much Should the AI Decide.

Yes. PINS AI answers custom review questions set by document, by endorsement, or by policy. Our team builds them with you during onboarding based on your contracts and risk program, and your team can add or edit them at any time.

No. The review questions are set up once from your contracts and risk program, with help from our onboarding team. PINS AI then applies them to every submission and explains each finding in plain English, so coordinators and department staff can catch issues and send them back to the vendor. Your team still makes the final compliance decision.