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Pikorua Security

COI review checklists

COI review checklists for GCs and property managers

Six working checklists, 75 checks in all, written for the people who actually read certificates: project administrators, risk managers, project accountants and property operations teams. Tick through the first 4 of any list right here.

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Ridgeline Roofing Inc.

GL 7741-0093-22 · Endorsement packet review

9/14
  • CG 20 10 04 13AI, ongoing operations · p. 2Verified
  • CG 20 37 04 13AI, completed operations · Not attachedDeficient
  • CG 20 01 04 13Primary and noncontributory · p. 4Verified
  • CG 24 04 05 09Waiver of subrogation · p. 5Verified
  • CG 21 39 10 93Contractual liability limitation · p. 7Deficient

2 deficiencies found. Notice sent to the subcontractor and its producer at 10:42 AM with the missing forms listed.

The library

Pick a checklist and start ticking

Each list is phrased as conditions that must be true, with a note on how to check each one. Typical limits are shown for orientation; your exhibit governs.

General contractors

GC Subcontractor COI Intake Checklist

The front-page review every subcontractor certificate should pass before anyone signs off: entity, limits, lines of coverage, carrier ratings and dates, plus the hand-off to endorsement review.

Preview progress

0 of 4

Who runs it
Project administrator or risk coordinator
When
Before the subcontract is countersigned and before the trade mobilizes

9 more checks in this list, and every item in the other five

Enter your work email once to open all six checklists on this page. Your ticks carry over.

We send a copy of all six checklists to this address, followed by a short series on drafting insurance exhibits. Unsubscribe any time.

AI COI ParserNamed insured mismatchesAM Best ratings for sub carriers

Who runs what

Six checklists, four owners, one file

The checklists hand off to each other. Intake feeds the packet review, the packet review feeds the renewal cadence, and all three feed the tender package if a claim ever arrives.
Checklist owners, triggers and item counts
ChecklistOwnerRun itChecks
Subcontractor COI intakeProject administrator or risk coordinatorBefore the subcontract is countersigned and before the trade mobilizes13
Endorsement packet reviewRisk manager or senior project accountantWhen a subcontractor's endorsement packet arrives, and again at every renewal14
Vendor entry for property managersProperty operations managerBefore a vendor receives a badge, a key or a work order12
Tenant lease insuranceLease administrator or property managerAt lease execution, before possession, and at every policy renewal11
Renewal and expiryCompliance coordinatorWeekly, against every policy expiring in the next 60 days12
Claim tender defense packageRisk managerWithin days of a claim, suit or incident report involving a subcontractor's work13

Why it matters

A checklist is only as fast as the person reading page 7

Manual review works, it just does not scale. At 25 to 40 min per packet, a team with a few hundred active vendors spends weeks a year on first reviews alone, before chasing a single broker.
to manually review one COI and multi-page endorsement packet against contract specifications
25 to 40 min
to manually review one COI and multi-page endorsement packet against contract specifications
CFMA Time Study
of subcontractor and vendor COIs contain material coverage deficiencies or missing endorsements on first review
71%
of subcontractor and vendor COIs contain material coverage deficiencies or missing endorsements on first review
AGC Risk Committee Audit
average cycle to collect, audit, chase and resolve one non-compliant COI by hand
28 days
average cycle to collect, audit, chase and resolve one non-compliant COI by hand
Pikorua Security Benchmark Data

From checklist to rules

What Pikorua Security runs for you

Every check on these lists maps to a rule Pikorua Security runs on each certificate and endorsement page, at 99.4% endorsement verification accuracy across ISO forms. Open a checklist to see which part of the product takes it over.
Watch a packet get reviewed in the demo
Subcontractor COI intake

Ingest & Parse reads the ACORD 25 fields, matches limits to the subcontract exhibit and checks AM Best ratings by NAIC number, flagging gaps in about 15 seconds per certificate.

AI COI Parser
Endorsement packet review

The Endorsement Validator reads every page of the packet, records each form number and edition date, and compares the wording against your exhibit, so a missing CG 20 37 on page 4 is flagged before approval.

Endorsement Validator
Vendor entry for property managers

Pikorua Security syncs vendor status to Yardi, AppFolio or MRI work orders and to access control, so an expired policy suspends the badge and the work order without a manual step.

Payment & Access Gates
Tenant lease insurance

Pikorua Security reads lease insurance articles into tenant rules, verifies ACORD 25 and ACORD 28 evidence against them, and writes compliance status back to the tenant record.

Risk Transfer Engine
Renewal and expiry

Automated Broker Chasing runs the 60/30/15/0 day cadence to the vendor and its producer through zero-login upload links, and applies payment and access holds at expiry.

Automated Broker Chasing
Claim tender defense package

The tender defense vault exports the contract, certificate, endorsement pages and verification log in force on any date of loss as one indexed packet.

Payment & Access Gates

Questions

Using the checklists

What do I get when I enter my email?
Every item in all six checklists opens on this page (75 checks in total), and a copy of the full set arrives by email. You can tick items as you work, copy any checklist as plain text, and paste it into your own review file or project binder.
Do these checklists replace my contract's insurance exhibit?
No. The checklists tell you what to look for; your exhibit decides what counts as compliant. Where an item quotes typical limits, such as $1,000,000 each occurrence and $2,000,000 general aggregate, replace them with the amounts your contract or lease actually requires.
Which checklist should a property manager start with?
Start with the vendor entry checklist for janitorial, HVAC, security and maintenance vendors, then the tenant lease insurance checklist for occupants. Run the renewal and expiry checklist weekly for both groups.
Is following a checklist enough to win a tender?
A checklist makes sure the right documents exist and were reviewed. Whether a carrier accepts a tender depends on the policy wording, the facts of the loss and the law that applies. Have counsel review any reservation of rights or denial. Pikorua Security is software and does not provide legal advice.

14-day free production trial

Stop ticking boxes by hand.

Pikorua Security runs every check on these lists against each certificate and endorsement page, then chases the vendor and its producer until the file is clean.

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