Product overview
Complete third-party risk transfer on autopilot.
Pikorua Security reads the certificate and every endorsement behind it, holds both to the contract your vendor signed, chases their broker for the fix, and keeps payment and site access closed until coverage verifies.
Keystone Mechanical LLC
Read depth
Certificate + 5 endorsement pages
- Named insured matches subcontractKeystone Mechanical LLCPass
- CGL $1M occurrence / $2M aggregateCGL 7741-0093-26Pass
- Policies current through projectExpires 03/01/2027Pass
- AI, ongoing operationsCG 20 10 04 13Pass
- AI, completed operationsNo CG 20 37 attachedDeficient
- Primary and non-contributoryCG 20 01 04 13Pass
- Waiver of subrogation, GL and WCCG 24 04 05 09, WC 00 03 13Pass
- Carriers rated A- VII or betterInsurer E is B++ VIDeficient
The full lifecycle
One subcontract, followed from signature to payment.
Keystone Mechanical LLC signs an HVAC subcontract on the Harbor Point medical office building. Select a stage to see exactly what Pikorua Security produced: the rule, the parsed fields, the findings, the broker email and the Procore hold.
Endorsement Deep Audit
- p1ACORD 25 (2016/03)ParsedFront page parsed: 63 fields
- p2Policy forms scheduleNotedSchedule lists 14 forms, 1 exclusion noted
- p3CG 20 01 04 13VerifiedPrimary and non-contributory confirmed
- p4CG 20 10 04 13DeficientOngoing operations only: CG 20 37 missing
- p5CG 24 04 05 09VerifiedBlanket waiver where required by written contract
- p6WC 00 03 13 (Ed. 4-84)VerifiedWorkers comp waiver present
- AMInsurer E, NAIC 15563DeficientPollution carrier rated B++ VI; Exhibit C clause 4.7 requires A- VII.
Platform
Four jobs your team does by hand today, done in order, every time.
- 01 Ingest & ParseRead every page of the packetACORD 25, ACORD 28, state WC certificates and the endorsement pages behind them, with AM Best checks on each carrier.Read every page of the packet63 fields
ACORD 25
- 02 Audit & MatchHold it to the contract, not a checklistLimits, forms and edition dates compared clause by clause with the insurance exhibit the vendor signed.Hold it to the contract, not a checklistCG 20 10 04 13CG 20 37CG 20 01 04 13CG 24 04 05 09
- 03 Chase & ResolveSend the fix list to the brokerThe producer on the certificate gets the exact missing form and wording, plus a zero-login upload link.Send the fix list to the brokerTo: producerAttach CG 20 37 04 13 naming Meridian Ridge Builders, Inc.4.2 days
- 04 Enforce & IntegrateNo compliance, no paymentHolds in Procore, CMiC, Yardi and AppFolio, and badge locks at the gate, released the minute the packet verifies.No compliance, no paymentPay app #7 held
AI verification layer
Built for the documents brokers actually send.
Certificates arrive faxed, photographed, stamped and stapled to 30 other pages. Pikorua Security separates ink from print, layers from watermarks and carriers from schedules before it reads a single limit. Anything under 97% confidence goes to a reviewer with the exact field highlighted.
Input as received
DW 10/5
What Pikorua Security read
Confirm queued- WC policy numberWC 0412-7765-2696.1%
- Struck value ignoredWC 0412-7765-2599.2%
- Initials and dateDW, 10/593.4%
Ink strokes are separated from the printed layer, the strike-through is detected, and the handwritten value wins. It matches Lakeshore Indemnity's WC number pattern, but at 96.1% it goes to a reviewer for a one-click confirm.
- endorsement verification accuracy across ISO forms
- 99.4%
- endorsement verification accuracy across ISO forms
- Pikorua Security customer data
- average broker resolution time, down from 28 days
- 4.2 days
- average broker resolution time, down from 28 days
- Pikorua Security customer data
- tender acceptance on claims with verified endorsement packets
- 100%
- tender acceptance on claims with verified endorsement packets
- Pikorua Security customer data
- hours of manual broker chasing eliminated
- 250,000+
- hours of manual broker chasing eliminated
- Pikorua Security customer data
Clear boundaries
What Pikorua Security does not do.
Every ACORD 25 says it is “issued as a matter of information only and confers no rights upon the certificate holder.” Pikorua Security exists because of that sentence, and it stays on the software side of the line.
Pikorua Security is software. Your vendor’s broker, its carrier and your counsel keep their roles; Pikorua Security makes sure each of them has the right document at the right time.
Does not sell insurance
Handled by: Your vendor's licensed broker
Pikorua Security is not an insurance agency or broker and holds no producer license. It never quotes, recommends a carrier or earns commission.
InsteadTells that broker, in writing, exactly which form and wording the contract requires.
Does not bind or change coverage
Handled by: The carrier, through the broker
Only the insurer can add an additional insured, issue an endorsement or amend a policy. A certificate cannot do it either: it confers no rights.
InsteadVerifies what the carrier actually issued, page by page, and flags what is missing.
Does not give legal advice
Handled by: Your counsel
Whether your exhibit fits your risk, your state's anti-indemnity statute or a specific lease is a legal judgment Pikorua Security does not make.
InsteadCompares documents with the requirements you set, and shows the clause behind every finding.
Does not adjust or decide claims
Handled by: The carrier's claims adjuster
Pikorua Security does not investigate, value, settle or accept tenders. Coverage decisions stay with the insurer.
InsteadHands your counsel and carrier a verified, timestamped packet the day a claim lands.
Risk Tender Defense Vault
The file your counsel asks for, already built.
Every certificate, endorsement page, broker message, hold and release is stored with its original file, a timestamp and a hash chained to the event before it. When a claim arrives two years after substantial completion, one export gives your defense team the whole story.
Audit trail
Oct 5, 2026, 4:02:26 PM CT
DeficiencyEndorsement audit: 2 deficiencies
Page 4 is CG 20 10 04 13 with no CG 20 37: completed operations missing. Pollution carrier rated B++ VI against an A- VII minimum.
- Actor
- Pikorua Security rules engine v7
- SHA-256 (prefix)
- 17be93c2...
Tender packet export
9 files, indexed, hash-chained, read-only
“Subs get one link, their broker uploads the missing endorsement, the hold clears and the crew badges in. I have not held a mechanical crew at the gate since we turned it on.”
Questions
Before you start a trial.
Does Pikorua Security replace our insurance broker or our vendors' brokers?
Which documents does Pikorua Security read?
How does Pikorua Security know what each vendor is required to carry?
What happens to our COIs and contracts after they are uploaded?
Product
Go deeper, module by module.
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- 01AI COI ParserACORD 25 and 28 fields, carriers and AM Best ratings with confidence scores.
- 02Endorsement ValidatorEvery ISO form and edition date in the packet, checked against the contract.
- 03Automated Broker ChasingDeficiency emails to the producer on the certificate and 60/30/15/0 renewals.
- 04Risk Transfer EngineContract exhibit rules by portfolio, project, trade and vendor.
- 05Payment & Access GatesInvoice holds in Procore, CMiC, Yardi and AppFolio; badge locks at the gate.
- +IntegrationsProcore, Yardi Voyager, AppFolio, CMiC, myComply, Openpath and 12 more connectors.
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.