Help & FAQ
Common questions about COI compliance and how StrikeDocs works.
What is a COI (Certificate of Insurance)?
A Certificate of Insurance (COI) is a document issued by an insurance company or broker that summarizes a business's insurance coverage. The most common format is the ACORD 25, which lists all active policies, their limits, effective dates, and any special endorsements.
What does StrikeDocs check?
We extract data from ACORD 25 certificates and check: General Liability limits and aggregate, Auto Liability (combined single limit), Workers Compensation & Employers Liability, Umbrella/Excess coverage, policy expiration dates, Additional Insured status, Waiver of Subrogation, Primary & Non-Contributory endorsements, and CG 20 10 / CG 20 37 endorsement forms.
What are the default requirements?
Our standard construction requirements check for: GL $1M per occurrence / $2M aggregate, Auto $1M CSL, Workers Comp statutory with $1M Employers Liability, Umbrella $2M, plus Additional Insured, Waiver of Subrogation, and Primary & Non-Contributory endorsements. These match typical mid-size GC requirements.
How accurate is the extraction?
Our AI extraction achieves 97-100% field-level accuracy on standard ACORD 25 forms. We test against a diverse dataset of real-world COIs. That said, we always recommend verifying critical fields — the tool highlights any areas where confidence is lower.
What file formats are supported?
Currently we support text-based PDF files (the standard output from insurance companies and brokers). Scanned or image-only PDFs are not yet supported. We're working on OCR support for scanned documents.
Is my data stored?
Uploaded PDFs are stored securely to enable feedback and accuracy improvements. We do not share your documents with third parties. All data is processed on our infrastructure (Railway) — not sent to any third-party storage service.
Do I need an account to use the free tool?
No. The free COI checker works without any account or sign-up. Upload a PDF and get results instantly. Accounts will be available for users who want to track vendors, store history, and automate compliance workflows.
What is Additional Insured and why does it matter?
Additional Insured status means your company is covered under the subcontractor's General Liability policy. If a sub causes damage on your jobsite, their insurance covers you too. The standard endorsement forms are CG 20 10 (ongoing operations) and CG 20 37 (completed operations). Without these, you could be liable for your sub's mistakes.
What is Waiver of Subrogation?
Waiver of Subrogation prevents the sub's insurance company from coming after you (the GC) to recover money they paid out on a claim. Without it, even if the sub's insurance pays a claim, their carrier could sue you to get the money back. Most GCs require this on GL, Auto, and Workers Comp policies.
Can I customize the requirements?
Custom requirement profiles are coming soon with our paid plans. For now, the free tool checks against standard construction requirements. If you have specific requirements that differ significantly, reach out and we'll prioritize that feature.