Free COI check for your vendor’s certificate
Upload an ACORD 25 PDF or photo to compare reported limits, dates, and other certificate fields with your selected requirements. Get one free check with evidence for each result. No account or card needed.
Evidence with each result
AI extracts the fields; fixed rules compare them with your selected requirements. Uncertain results are flagged for human review.
No document storage
Your document is processed for this check. The free checker does not save your certificate or create a vendor record.
A clear next step
See which reported fields meet the selected requirements and which need follow-up. Missing evidence stays visible instead of becoming a silent pass.
Decision support only — not insurance, legal, or coverage advice. Always confirm requirements with your insurance professional.
Before you check a COI
How do I check a certificate of insurance?
Upload an ACORD 25 certificate, choose the requirements that match your work, and review the result. Presets are a starting point: compare them with your contract and confirm requirements with your insurance professional. Follow up with the producer when information or supporting documents are missing.
Which files can I upload?
Use an ACORD 25 PDF or a JPEG, PNG, or WebP photo up to 10 MB. Make sure the entire certificate is readable, including the policy dates and limits. You get one free check without an account or credit card.
What do pass, fail, and needs review mean?
Pass means the extracted fields meet the selected rules. Fail means a rule was not met. Needs review means information is uncertain or requires a person to check it. Review the evidence shown with each result; a pass is not a guarantee of insurance coverage.
Can a COI check confirm that coverage is in force?
No. A certificate summarizes reported insurance information; it does not change the policy or establish that coverage remains in force. Additional insured and other policy changes may require separate endorsements. Confirm policy and endorsement questions with the producer or your insurance professional.
Need to locate a field? Read the ACORD 25 walkthrough. For supporting evidence, see certificate holder vs. additional insured. Keep renewal dates and follow-ups in the free COI tracking spreadsheet.