AI Certificate of Insurance Processing Agent
Automating Certificate of Insurance Processing with AI
Intelligent Document Extraction
The Agent reads ACORD 25 forms, broker certificates, and endorsement PDFs to extract insured details, coverage limits, policy dates, and additional insured indicators without manual data entry.
Rules-Based Compliance Verification
Automated validation compares extracted data against your requirement matrix—checking limits by vendor tier, endorsement specifics like CG 20 10 and CG 20 37, carrier ratings, and jurisdiction-specific WC statutes.
Exception Routing and Remediation
When certificates fall short, the system generates specific deficiency notices, routes exceptions to the right reviewer, and tracks remediation until vendors are cleared to work.
How Cassidy automates Certificate of Insurance Processing using AI
Step 1: Trigger on new COI submission
The Workflow activates when a certificate arrives via email inbox, vendor portal upload, or API integration—automatically deduplicating submissions and matching to the correct vendor record.
Step 2: Extract and classify document data
Cassidy uses document AI to identify the form type (ACORD 25, broker certificate, endorsement) and extract key fields: insured name, carriers, policy numbers, effective dates, coverage limits, and additional insured/waiver indicators.
Step 3: Validate against requirements matrix
The Workflow applies your insurance rules—checking GL/Auto/WC limits, verifying endorsements like CG 20 10 and CG 20 37 for additional insured status, confirming carrier A.M. Best ratings, and flagging prohibited exclusions.
Step 4: Route exceptions with Human-in-the-Loop
Non-conforming certificates route to risk or compliance reviewers with a side-by-side comparison of requirements versus findings. Cassidy auto-generates deficiency notices specifying exactly what's missing.
Step 5: Update vendor status and notify stakeholders
Once approved, Cassidy updates the vendor's compliance status in your ERP or vendor management system, clears them to work, and logs the decision with a complete audit trail.
Step 6: Monitor expirations and trigger renewals
Cassidy tracks policy expiration dates and automatically sends renewal outreach 30, 60, or 90 days before lapse—escalating to suspend work authorization if compliant coverage isn't received.
Implement it inside your company
- Hands-on onboarding and support
- Self-paced training for your team
- Dedicated implementation experts
- Ongoing use case discovery
- ROI tracking & analytics dashboards
- Proven playbooks to get started fast
