Certificate of insurance tools for your AI assistant
CertifiKit’s free COI tools also run as an MCP server, so Claude, ChatGPT and other assistants can work out what insurance to require of a subcontractor and check a certificate against it — with a fixed rules engine deciding the verdict, not the model. Add https://certifikit.ai/mcp as a remote MCP server. No account, API key or configuration.
Server details
- URL
- https://certifikit.ai/mcp
- Transport
- Streamable HTTP (JSON responses, stateless)
- Authentication
- None
- Tools
- 4, all read-only
- Price
- Free
Add it to your assistant
Claude (claude.ai and the desktop app)
Settings → Connectors → Add custom connector. Name it CertifiKit and paste the server URL. Leave the OAuth fields empty.
ChatGPT
Custom MCP servers need developer mode: Settings → Apps → Advanced settings → Developer mode. Then create an app with the server URL and authentication set to none.
Claude Code
claude mcp add --transport http certifikit https://certifikit.ai/mcp
Codex CLI (~/.codex/config.toml)
[mcp_servers.certifikit] url = "https://certifikit.ai/mcp"
Cursor, VS Code and other JSON-configured clients
{ "mcpServers": { "certifikit": { "url": "https://certifikit.ai/mcp" } } }Tools
| Tool | What it answers | On the web |
|---|---|---|
| build_insurance_requirements | The limits and endorsements to require of a subcontractor or vendor, scaled to trade and contract size, plus the contract exhibit text | Requirements builder |
| check_certificate | Pass, fail or needs review for an ACORD 25 against a preset or custom requirements, with a reason per requirement | Free COI checker |
| list_requirement_presets | The two ready-made requirement sets and every limit in them | Free COI checker |
| find_coi_guides | Plain-English guides on COIs, endorsements and vendor insurance, with links | Guides |
How a certificate check works
The assistant does the reading: it looks at the ACORD 25 you give it and passes what the certificate shows to check_certificate. The verdict comes from the same deterministic rules engine behind the free COI checker: coverage present, each limit at or above its minimum, policies not expired, and the additional insured, waiver of subrogation and primary & non-contributory wording you require. Anything missing, unreadable or uncertain is marked needs review instead of being passed — the same rule the product follows. Requirements can come from a preset or from build_insurance_requirements, whose output passes straight into the check.
Things to ask
- “What insurance should I require from a roofing sub on a $400k job? Give me the contract language.”
- “Here's the COI my landscaper sent (attached). Does it meet our HOA's vendor requirements?”
- “Check this certificate against the standard subcontractor requirements and tell me what to ask the agent to fix.”
- “What does a waiver of subrogation actually do? Link me a guide.”
Questions
Does the assistant decide whether a certificate passes?
No. The assistant reads the certificate and passes the values it sees — limits, dates, endorsement boxes. The verdict comes from the same deterministic rules engine that runs the free checker on this site, so the same inputs always produce the same answer, and every result says what was found and what was required.
What happens if the assistant misreads the certificate?
The verdict is only as good as the values passed in, and the tool says so in every answer. Rows the assistant leaves out, cannot read, or marks below 0.7 confidence are routed to needs review rather than passed or failed. For a check where CertifiKit reads the PDF or photo itself, use the free checker at /check.
Is it free? Do I need an account?
Free, with no account, API key or configuration. The tools run on the free, public parts of CertifiKit. Tracking vendors, collecting renewals and chasing agents is the paid product.
What do you store from a tool call?
Nothing from the arguments. We count which tool was called, whether it succeeded, and the name of the client that called it, so we know the server is being used. The certificate values an assistant sends are evaluated and discarded.
Is this insurance or legal advice?
No. It is decision support for reviewing certificates and drafting requirements. Insurance requirements vary by state, trade and contract — have an insurance professional or attorney review them before you rely on them.
Want this for every vendor, with renewals collected and agents chased automatically? That is CertifiKit. Privacy details for tool calls are on the privacy page.
Decision support only — not insurance, legal, or coverage advice. Always confirm requirements with your insurance professional.