Requirements and compliance
Compliance in CoverWarden is deterministic: the AI only transcribes the document; a fixed rules engine compares the transcription to your requirements. Same certificate + same requirements = same verdict, every time.
Org defaults and vendor overrides
Settings → Compliance requirements sets the default for every vendor. When one vendor's contract differs, open the vendor → Requirements and set an override; it replaces the org defaults for that vendor only. Reverting to defaults is one click.
What you can require
- General liability: required + minimum each-occurrence limit + additional insured.
- Auto liability: required + minimum combined single limit.
- Workers compensation: required.
- Umbrella/excess: required + minimum each-occurrence limit.
- Endorsements: waiver of subrogation and/or primary & non-contributory — verified on the endorsement pages, not the checkboxes.
How verdicts are computed
Each requirement produces specific issues: missing coverage, limit below minimum, additional insured not indicated, required endorsement not found. Expiry adds two states: expiring soon (within 30 days) and expired. A vendor's status reflects their newest certificate; no certificate at all is its own status so it can't hide as 'compliant by absence'.