Skip to content

Solutions

COI compliance shaped around how your industry transfers risk.

A general contractor, a REIT, a staffing agency, a freight broker and a city all collect certificates of insurance. They fail in different places. Pikorua Security reads the same documents for each of them, then applies the contract rules, workflows and system holds that each segment actually runs on.

Segment picker

See your top risks, required coverages and the systems we hold.

Every row below is a rule Pikorua Security can enforce out of the box. Your own contract exhibit, lease article or MSA insurance clause replaces these defaults during setup, which takes about an afternoon.

Top 3 risks

  1. 1

    Completed operations gap

    The certificate says additional insured, but only CG 20 10 (ongoing operations) is attached. A defect claim filed after turnover lands on your own policy and retention.

  2. 2

    Action over claims

    A sub's injured employee sues you as the GC. Your tender to the sub's carrier fails on a contractual liability limitation or a manuscript action over exclusion.

  3. 3

    Tier 2 leakage

    Sub-subcontractors never receive the flow-down exhibit, so the owner and GC are missing from their policies entirely.

Who buys: VP Risk Management, Director of Construction Operations, Senior Project Accountant

Coverages contracts typically require

CoverageTypical requirementWhat proves it
Commercial general liability$1,000,000 each occurrence / $2,000,000 aggregate per projectACORD 25 + CG 25 03
Additional insured, ongoing and completed opsOwner, GC and lender scheduledCG 20 10 + CG 20 37 or CG 20 38
Primary & non-contributoryAs written in the subcontractCG 20 01
Waiver of subrogationGL, auto and workers' compCG 24 04, CA 04 44, WC 00 03 13
Umbrella / excess$5,000,000 follow form, AI carried upACORD 25 umbrella section

Integrations that matter

Read the playbook

One engine underneath

Segments change the rules. The verification work stays the same.

A certificate of insurance is issued as a matter of information only and confers no rights on the holder. Whatever your industry, protection lives in the endorsement pages, and that is where Pikorua Security reads.

  1. 01

    Ingest & Parse

    ACORD 25, ACORD 28, state fund certificates and every endorsement page behind them, read field by field with carrier AM Best ratings attached.

    AI COI Parser
  2. 02

    Audit & Match

    Your contract, lease or MSA exhibit becomes a rule set. Limits, form numbers and edition dates are checked against it on every upload.

    Endorsement Validator
  3. 03

    Chase & Resolve

    Deficiency checklists go to the vendor and its retail broker together, with a zero-login upload link and a 60/30/15/0 day renewal cadence.

    Automated Broker Chasing
  4. 04

    Enforce & Integrate

    Payment holds in Procore, Yardi, AppFolio and CMiC, badge locks at the gate, and a tender defense vault for the day a claim arrives.

    Payment & Access Gates

For general contractors

14 trade guides, from roofing to elevators.

Every trade fails differently. Roofers often carry height or hot-work limitations, excavators run into subsidence and XCU (explosion, collapse, underground) exclusions, and steel erectors need limits that match their crane and rigging exposure. Each guide lists the limits, endorsements and exclusions to check for that trade.

Browse all 14 trades

First-review defect rate by trade, 2026 benchmark

Share of certificates with a material deficiency on first review. Source: Pikorua Security 2026 benchmark. Read the report

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
of COIs claiming additional insured status fail to attach the CG 20 37 completed operations endorsement
64%
of COIs claiming additional insured status fail to attach the CG 20 37 completed operations endorsement
IRMI Construction Risk Survey
average out-of-pocket litigation and SIR loss when a subcontractor's carrier denies an additional insured tender
$150,000 to $450,000
average out-of-pocket litigation and SIR loss when a subcontractor's carrier denies an additional insured tender
Commercial Casualty Actuarial Study

Risk exposure calculator

Calculate your un-tendered claim exposure and annual SIR loss risk.

Move the slider for a first read. The full calculator adds your self-insured retention, trade mix and renewal history, then shows where a single rejected tender would land on your balance sheet.

Go straight to the full calculator
150
Likely deficient on first review
107
Manual review hours a year
600
Admin payroll at $45/hr
$27,000

Uses the 71% first-review defect rate (AGC Risk Committee Audit) and 4 hours per vendor per year. One rejected tender adds $150,000 to $450,000 (Commercial Casualty Actuarial Study).

Open the calculator

14-day free production trial

Stop letting non-compliant vendors expose your balance sheet.

Upload your current subcontractor COI files. Pikorua Security shows you every hidden coverage defect in 10 minutes.