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Pikorua Security

AI COI Parser

Every field on the certificate, read and scored.

Pikorua Security reads ACORD 25 and ACORD 28 certificates the way your risk manager would: producer, insured, five insurers with NAIC numbers, every coverage row and limit, policy dates and the boxes most tools ignore. Each value carries a confidence score and its exact location on the page.

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Today

6 in queue

6 pages split into

4:02 PM · 63 fields in 14.8 s

  • ACORD 25 (2016/03)
  • Forms schedule
  • CG 20 01 04 13
  • CG 20 10 04 13
  • CG 24 04 05 09
  • WC 00 03 13

Deficiency notice drafted to Lone Star Commercial Insurance Agency.

ACORD 25 extraction

The certificate on the left. What Pikorua Security read on the right.

Hover any extracted field to see the exact region it came from. Keystone Mechanical’s certificate looks clean on its face; two fields still need attention, and one carrier is below the contract minimum.

Page 1 of 6

Extracted fields

18 key fields of 63 read, 14.8 s

Header

General liability

Automobile

Umbrella

Workers comp

Pollution

Holder

Products / completed ops aggregate: Read from the highlighted region and stored with its page coordinates for the audit trail.

Coverage lines read

Eight coverage lines, from the CGL row to the remarks schedule.

Coverage that does not fit the four printed rows ends up in the blank row, the description box or an ACORD 101 schedule. Pikorua Security reads all three.
Coverage lineRead fromFields extractedChecked against the contract
General liabilityACORD 25, CGL rowOccurrence or claims-made, each occurrence, damage to rented premises, med exp, personal and advertising injury, general aggregate, products-completed operations aggregate, aggregate applies per policy, project or locationLimits against the exhibit, per-project aggregate (CG 25 03), ADDL INSD and SUBR WVD boxes handed to the endorsement validator
Automobile liabilityACORD 25, auto rowAny auto, owned, scheduled, hired and non-owned autos, combined single limit or split bodily injury and property damage limitsCovered auto symbols, CSL, CA 20 48 designated insured and CA 04 44 waiver where the contract requires them
GaragekeepersACORD 25 other row or remarks scheduleLegal liability, direct excess or direct primary basis, comprehensive and collision limits per location, deductiblesRequired basis for valet, fleet maintenance, towing and dealership vendors
Workers' comp and employers' liabilityACORD 25 WC row, state certificatesPer statute or other, excluded officers (Y/N), E.L. each accident, disease each employee, disease policy limit, states coveredE.L. limits, WC 00 03 13 waiver, stop gap employers' liability in monopolistic states (ND, OH, WA, WY)
Excess and umbrellaACORD 25 umbrella row, remarks schedulesOccurrence or claims-made, each occurrence, aggregate, retention, every layer and quota-share participantTotal tower against the requirement, follow-form additional insured, AM Best rating per layer
PollutionACORD 25 other row or remarksEach pollution condition, aggregate, occurrence or claims-made, retroactive dateMechanical, abatement and excavation trades; a claims-made retro date earlier than the contract start
Professional and cyberACORD 25 other row or remarksEach claim, aggregate, retroactive date, claims-made triggerDesign-build and design-assist trades, engineering consultants, IT and security vendors
Commercial propertyACORD 28 (2016/03)Location, causes of loss form (basic, broad or special), amount of insurance, replacement cost or ACV, coinsurance, deductibles, business income or rental value, additional interestTenant property and business income requirements in leases; landlord or lender listed as additional interest

AM Best lookup

A certificate is only as good as the carrier behind it.

Most exhibits ask for carriers rated “A- VII or better”. That is two tests: a Financial Strength Rating of A- (Excellent) or higher, and a Financial Size Category of VII, meaning $50 million to $100 million of adjusted policyholders’ surplus, or larger.

Pikorua Security matches every insurer by name and NAIC number, applies both tests, and can require admitted carriers. Change the minimums to see which of Keystone Mechanical’s five carriers pass.

AM Best check

1 below minimum
Insurers on the certificate

Insurer E

Harborline Environmental Insurance Co.

Below minimum

Financial Strength Rating

B++ is Good. Contract minimum A-.

Financial Size Category

Class VI: adjusted policyholders' surplus of $25M to $50M. Minimum VII ($50M to $100M).

Status
Admitted in TX
Outlook
Negative

Document handling

Whatever the broker sends, it gets read.

Accuracy

Scored, not guessed.

Confidence is measured per field, not per document. A reviewer confirms only the fields that need a human eye, and everything else flows straight to the endorsement validator.

endorsement verification accuracy across ISO forms
99.4%
endorsement verification accuracy across ISO forms
Pikorua Security customer data
fields read from a standard ACORD 25, each stored with its page coordinates
63
fields read from a standard ACORD 25, each stored with its page coordinates
confidence floor: anything lower goes to a reviewer with the field highlighted
97%
confidence floor: anything lower goes to a reviewer with the field highlighted
typical time to split and read a six-page certificate and endorsement packet
15 s
typical time to split and read a six-page certificate and endorsement packet

Questions

About the parser.

Reading the certificate is step one. The Endorsement Validator decides whether the pages behind it deliver what the certificate claims.

How accurate is the AI COI parser?
Pikorua Security customers see 99.4% endorsement verification accuracy across ISO forms. Every extracted field carries its own confidence score, and anything under 97% is routed to a reviewer with that single field highlighted on the page, so a smudged digit is confirmed rather than guessed.
Which documents does it read besides the ACORD 25?
ACORD 28 evidence of commercial property insurance, ACORD 101 additional remarks schedules, state workers' compensation certificates, carrier-branded certificates that do not use the ACORD layout, and every ISO, NCCI and manuscript endorsement page in the packet. Endorsement pages are never billed extra.
Does it handle phone photos, faxes and password-protected PDFs?
Yes. Photos are perspective-corrected, faxes and rotated scans are deskewed, and multi-page packets are split automatically. Restricted PDFs open normally; a PDF that needs an open password triggers an automatic reply asking the sender for the password or an upload through the vendor's secure link.
How does the AM Best check work?
Each insurer on the certificate is matched by name and NAIC number to its AM Best Financial Strength Rating and Financial Size Category, then compared with the minimum in your contract exhibit (commonly A- VII). You can also require admitted carriers. A carrier that falls below the minimum is flagged like any other deficiency and goes into the broker notice.
Do vendors have to change how they send certificates?
No. Brokers keep emailing certificates to the address they use today, forwarded to your Pikorua Security inbox. Vendors can also upload through their zero-login link, and Procore and Yardi customers can pull documents straight from the vendor record.

Product

The rest of the platform

Each module reads from the same vendor file, so a finding in one shows up everywhere else: the broker email, the payment hold and the audit trail.

Product overview

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Stop letting non-compliant vendors expose your balance sheet.

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