Certificate of Insurance compliance
Never let an uninsured sub step on your jobsite again.
Pikorua Security reads every COI, verifies the endorsements behind it, and chases brokers automatically before a non-compliant vendor mobilizes.
Keystone Mechanical LLC · HVAC · Project 2214, Riverside Medical Office
Packet pages
- p.1ACORD 252016/03
- p.2CG 20 1004 13
- p.3CG 24 0405 09
- p.4Excl. sched.Carrier form
- p.5WC 00 03 13NCCI
- p.6Umbrella decFollow form
0
checks passed
0
deficiencies
Audit stream
rule set: Exhibit B, HVAC tier 2
Writes holds and compliance status into the systems your teams already run.
- SOC 2 Type II
- ACORD 25 & 28
- Every ISO endorsement page
Procore
Autodesk Construction Cloud
Yardi Voyager
AppFolio
CMiC
MRI Software
RealPage
Entrata
Bullhorn
Brivo
Viewpoint Vista
Foundation Software
ACORD
Certificate of liability insurance
Date (MM/DD/YYYY)
10/14/2026
This certificate is issued as a matter of information only and confers no rights upon the certificate holder.
The ACORD 25 illusion
That certificate in your file probably doesn't protect you.
Project managers collect ACORD 25s and check the additional insured box. Then a claim lands, and the sub's carrier denies your tender because the policy had CG 20 10 without CG 20 37, or an exclusion nobody read. Your own policy and your retention pay the defense.
- 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 out-of-pocket litigation and SIR loss when an additional insured tender is rejected
- $150,000+
- average out-of-pocket litigation and SIR loss when an additional insured tender is rejected
- IRMI Construction Risk Analysis
- spent emailing subs and brokers back and forth to collect one compliant replacement certificate
- 28 days
- spent emailing subs and brokers back and forth to collect one compliant replacement certificate
- Pikorua Security Benchmark Data
How Pikorua Security protects you
From inbox to enforced, without a project manager in the loop.
How it works
Four steps. The fourth one is the one that matters.
rule_set "Exhibit B: HVAC, tier 2" {
applies_to = project("2214 Riverside MOB")
gl.each_occurrence >= 1_000_000
gl.general_aggregate >= 2_000_000 per_project # CG 25 03
gl.products_completed >= 2_000_000
auto.combined_single >= 1_000_000
umbrella.each_occ >= 5_000_000 follow_form
wc.employers_liability >= 1_000_000
require endorsement CG_20_10 | CG_20_38 # ongoing ops
require endorsement CG_20_37 # completed ops, 3 yrs
require endorsement CG_20_01 # primary & non-contrib.
require waiver CG_24_04, CA_04_44, WC_00_03_13
carrier.am_best >= "A- VII"
reject exclusion CG_21_39, residential_work
}The difference
Basic COI tools check the front page. Pikorua Security verifies the legal endorsements.
Front-page COI toolTender denied after loss
- 1Day 0Reads ACORD 25 front page
- 2Day 0Sees ADDL INSD box checked
- 3Day 0Marks vendor Compliant
- 4Month 14Water intrusion claim, 8 months after completion
- 5Month 15Carrier denies AI tender: no CG 20 37
Pikorua SecurityFixed before mobilization
- 100:02Parses all 6 pages of the packet
- 200:04Finds CG 20 10 on page 2, no CG 20 37
- 300:07Flags completed operations gap
- 400:10Requests CG 20 37 from the broker
- 5Day 3Endorsement uploaded, tender-ready file
Benchmark data
Where the 71% comes from.
Missing completed operations coverage is the most common gap, and the most expensive one: defect and water claims surface months after a sub has left site.
- 64% of COIs claiming additional insured status fail to attach the CG 20 37 completed operations endorsement.
- 25% to 35% of active subcontractor policies expire mid-project unnoticed when tracked in spreadsheets.
- Missing CG 20 37 completed operations64%
- Named insured mismatch48%
- No waiver of subrogation (CG 24 04 / WC 00 03 13)41%
- Primary & non-contributory wording absent37%
- Limits below contract exhibit29%
- Expired or expiring within 30 days22%
Sources: AGC Risk Committee Audit; IRMI Construction Risk Survey; National Construction Risk Audit; Pikorua Security 2026 benchmark
Platform
Built for the people who sign the risk transfer.
Procore and Yardi bi-directional payment gate
A deficient COI places the commitment or vendor on hold. A verified endorsement releases it, with the approval in the audit trail.
Procore · Commitment SC-2214-031
Keystone Mechanical LLC · $412,800
Payment hold: CG 20 37 missing, invoice #7 blocked
From the field
Risk, operations and finance, on the same file.
99.4%endorsement verification accuracy across ISO forms
28 days to 4.2 daysaverage broker resolution time
100%tender acceptance on claims with verified endorsement packets
Security
Vendor policies, limits and tax IDs deserve better than a shared drive.
- SOC 2 Type IIIndependently audited controls
- AES-256 + TLS 1.3At rest and in transit
- Zero model trainingYour COIs never train AI
- US data residencyAWS us-east-1, us-west-2 failover
- SSO and rolesPM, risk, accounting, admin
Risk exposure
Calculate your un-tendered claim exposure.
- Likely defective COIs in your files
- 107
- Out-of-pocket on one rejected tender
- $250K+
- Admin hours chasing brokers each year
- 600
FAQ
Questions risk managers ask first.
Something else? Call +91-80-4123-7190 or write to sales@pikoruasecurity.com.
How does Pikorua Security read non-standard or custom carrier endorsements?
Does Pikorua Security contact the subcontractor or their insurance broker directly?
What happens when a policy expires mid-project?
How does the Procore payment hold work?
How long does implementation take?
Is our vendor data secure?
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.