Free tool

COI checker

Got a certificate of insurance from a sub or vendor? Upload the PDF (an ACORD 25) and see the policy dates printed on it, anything that has expired or expires within 30 days, and a short list of what to check by hand. No signup.

We don't save your file. It sits in a temporary file on our server only while it's read (usually a few seconds), then it's deleted. It's never added to any account or backup, and we don't keep a copy or a record of what it says. Privacy policy

PDF only, up to 10 MB. Use the PDF the insurance agent sent; a scan or a photo has no text for us to read.

What it reads

  • The policy dates in each coverage row: general liability, auto, umbrella and workers' comp.
  • Policies that have expired or expire within 30 days.
  • The certificate date, and whether it is more than 12 months old.
  • Whether a workers' comp policy is listed.
  • Not the certificate holder box, the additional insured or waiver of subrogation columns, or the limits. We can't read those reliably from the text, so they show as "Check by hand".

What to check by hand

Whatever the checker shows, these are worth a look on every certificate:

  1. Confirm it with the agent. Call or email the agent or insurer named on the form, using contact details you look up yourself (an altered certificate can carry altered ones), and ask whether the policies are in force. See how to verify a certificate of insurance.
  2. Read every box against your contract. The insured's exact name, each policy's limits, and the description of operations. How to read an ACORD 25 goes box by box.
  3. Certificate holder and additional insured. The holder box should show your exact legal name and address, but being the holder gives you no coverage. If your contract requires additional insured status, ask for the endorsement. See additional insured vs certificate holder.
  4. Waiver of subrogation. A Y in the SUBR WVD column isn't the waiver itself. See waiver of subrogation, explained.

Track this automatically

GreenlightSubs reminds your subs before it expires. Free for 5 vendors.

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The COI checker reads the text stored in the PDF and nothing else. It doesn't contact the insurer or the agent. It isn't legal or insurance advice. Your contract decides what coverage, limits and endorsements you need.