Free COI Checker
Upload an ACORD 25 PDF. We'll verify the coverages, limits, dates, additional-insured status, and attached endorsements—free, with no account.
What the free COI checker verifies
A certificate of insurance (COI) is the standard proof-of-coverage document—almost always an ACORD 25 form—that vendors, subcontractors, and tenants provide before work starts. Reviewing one means checking each policy row: general liability limits, auto liability, workers compensation, umbrella coverage, additional-insured and waiver-of-subrogation indicators, and every expiration date.
This tool reads the document automatically and flags common gaps such as expired or soon-to-expire policies, limits that do not meet the stated requirement, and missing additional-insured evidence. The result cites the document language behind the finding so you can review the proof instead of trusting a green badge.
How to verify a certificate of insurance online
Upload the complete PDF, including every page the broker supplied. The ACORD 25 face is only a summary. Additional insured, waiver of subrogation, primary and non-contributory, and completed-operations protection may depend on separate endorsement forms behind it. A useful certificate verification checks the dates and limits, then reads those forms instead of treating a marked checkbox as proof.
The result is a document review, not a carrier guarantee or legal opinion. If a policy appears canceled, altered, or inconsistent with the contract, confirm it with the producing agent or insurer. Keep the submitted PDF and verification result with your vendor record so the approval decision can be explained later.
When free verification should become COI tracking
Checking one certificate solves today's approval. Tracking solves the renewal that arrives months later. Once you manage several vendors, the work includes saving requirements, collecting corrected paper, monitoring each policy expiration, and reminding both the vendor and its insurance agent until a compliant renewal arrives.
CoverWarden turns the same evidence-backed check into an ongoing workflow. Start with the free checker, then create a free account if you want the certificate, requirements, reminders, and audit history kept together.
For the cleanest result, use the original broker-issued PDF rather than a screenshot. Include all endorsement pages, avoid password-protected files, and compare the extracted insured name with the legal entity in your contract before approving the submission. Recheck the replacement document after every correction; an updated certificate can fix one deficiency while leaving a separate coverage or endorsement requirement unresolved.