Last updated: June 27, 2026
Reviewing a certificate of insurance used to mean opening a PDF, reading through coverage lines and endorsements, cross-referencing your contract requirements, and deciding whether the submission was compliant. For teams managing hundreds of vendors, that process adds up fast.
PINS AI Assistant is built to handle that work automatically.
What it does
PINS AI Assistant reads COIs and supporting endorsements, compares what's submitted against your configured requirements, and flags anything that doesn't match. It checks coverage limits, endorsement types, additional insured wording, waiver of subrogation, primary and non-contributory language, and other requirement-specific details.
When it finds a gap it tells you what's missing and why. When everything checks out it confirms compliance. Your team sees a clear summary instead of a stack of PDFs.
What your team controls
The AI handles the document review. Your team makes the decisions.
PINS AI Assistant flags issues and surfaces the evidence behind each finding. A compliance reviewer can see exactly what the AI identified, why it flagged it, and what the submitted document actually says. From there your team approves, rejects, requests changes, or grants a waiver, with every decision logged for audit purposes.
This matters because insurance compliance isn't just about speed. It's about defensibility. When a claim comes in, you need a record of what was reviewed, when it was reviewed, and what was approved. PINS keeps that history automatically.
Where it fits in your workflow
A vendor submits a COI through their upload link. PINS AI reads the document, checks it against your requirements, and generates a review summary. Your team sees the result, reviews the reasoning if needed, and makes a decision. The whole process takes minutes instead of the better part of an afternoon.
For teams managing ongoing renewals across a large vendor base, that time savings adds up significantly. Morley Builders went from two days to send expired notices down to five minutes. That's the kind of operational shift automated AI review makes possible.
The bigger picture
AI should assist the review process, not replace the judgment behind it. PINS AI Assistant removes the hours spent digging through documents to find answers. Your team still decides what gets approved and what doesn't.
If your team is spending significant time on document review, it's worth seeing how AI-assisted review changes that workflow.
PINS AI Assistant is an AI-powered document review tool built into the PINS COI tracking platform. It reads submitted certificates of insurance and endorsement documents, checks them against your configured coverage requirements, and flags gaps with evidence and reasoning. Your team reviews the findings and makes every final compliance decision.
PINS AI Assistant reviews certificates of insurance and supporting endorsement documents, including additional insured endorsements, primary and non-contributory language, waiver of subrogation, completed operations coverage, and notice of cancellation. It checks both the certificate and the endorsement documents separately since the certificate alone does not confirm endorsement coverage.
No. PINS AI Assistant flags gaps, answers coverage questions, and links its reasoning to the specific language in the submitted document. Your team reviews the result and makes the final call to approve, reject, request changes, or grant a waiver. Every decision is logged for audit purposes. Nothing is auto-approved.
When the AI cannot confirm coverage from the submitted documents, it flags the item as needing review rather than returning a false pass. Your team sees what was found, what was missing, and where the AI could not confirm compliance, so reviewers can follow up directly without re-reading the entire document.
It depends on volume and document complexity, but the operational shift is significant. Morley Builders went from two days to send expired notices down to five minutes. For teams managing hundreds of vendors with ongoing renewals, AI-assisted review removes the hours spent reading through documents and cross-referencing requirements manually.