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.
Today
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
CERTIFICATE OF LIABILITY INSURANCE
DATE (MM/DD/YYYY)
10/05/2026
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. IMPORTANT: additional insured status requires policy provisions or an endorsement; a waiver of subrogation may require an endorsement.
PRODUCER
Lone Star Commercial Insurance Agency
5100 Belt Line Road, Suite 400
Addison, TX 75254
INSURED
Keystone Mechanical LLC
2875 Industrial Parkway
Mesquite, TX 75149
CONTACT NAME: Dana Whitfield
PHONE: (972) 555-0148FAX: (972) 555-0149
E-MAIL: dwhitfield@lonestarcia.com
COMMERCIAL GENERAL LIABILITY
OCCUR CLAIMS-MADE
GEN'L AGGREGATE LIMIT APPLIES PER:
POLICY PROJECT LOC
AUTOMOBILE LIABILITY
ANY AUTO
OWNED AUTOS ONLY HIRED AUTOS ONLY
UMBRELLA LIAB
OCCUR CLAIMS-MADE
RETENTION $10,000
WORKERS COMPENSATION AND EMPLOYERS' LIABILITY
ANY PROPRIETOR/PARTNER/EXECUTIVE OFFICER/MEMBER EXCLUDED? N
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES
Re: Project 24-117, Harbor Point Medical Office Building, 2200 Harbor Point Drive, Dallas, TX 75207. Certificate holder and owner are additional insureds on a primary and non-contributory basis, with waiver of subrogation, where required by written contract. See attached endorsements.
CERTIFICATE HOLDER
Meridian Ridge Builders, Inc.
1400 Commerce Street, Suite 900
Dallas, TX 75201
CANCELLATION
Notice of cancellation before expiration is delivered in accordance with the policy provisions.
AUTHORIZED REPRESENTATIVE
D. Whitfield
ACORD 25 (2016/03)
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 line | Read from | Fields extracted | Checked against the contract |
|---|---|---|---|
| General liability | ACORD 25, CGL row | Occurrence 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 location | Limits against the exhibit, per-project aggregate (CG 25 03), ADDL INSD and SUBR WVD boxes handed to the endorsement validator |
| Automobile liability | ACORD 25, auto row | Any auto, owned, scheduled, hired and non-owned autos, combined single limit or split bodily injury and property damage limits | Covered auto symbols, CSL, CA 20 48 designated insured and CA 04 44 waiver where the contract requires them |
| Garagekeepers | ACORD 25 other row or remarks schedule | Legal liability, direct excess or direct primary basis, comprehensive and collision limits per location, deductibles | Required basis for valet, fleet maintenance, towing and dealership vendors |
| Workers' comp and employers' liability | ACORD 25 WC row, state certificates | Per statute or other, excluded officers (Y/N), E.L. each accident, disease each employee, disease policy limit, states covered | E.L. limits, WC 00 03 13 waiver, stop gap employers' liability in monopolistic states (ND, OH, WA, WY) |
| Excess and umbrella | ACORD 25 umbrella row, remarks schedules | Occurrence or claims-made, each occurrence, aggregate, retention, every layer and quota-share participant | Total tower against the requirement, follow-form additional insured, AM Best rating per layer |
| Pollution | ACORD 25 other row or remarks | Each pollution condition, aggregate, occurrence or claims-made, retroactive date | Mechanical, abatement and excavation trades; a claims-made retro date earlier than the contract start |
| Professional and cyber | ACORD 25 other row or remarks | Each claim, aggregate, retroactive date, claims-made trigger | Design-build and design-assist trades, engineering consultants, IT and security vendors |
| Commercial property | ACORD 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 interest | Tenant 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
Insurer E
Harborline Environmental Insurance Co.
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.
Scans and faxes
200 dpi faxes, skewed scans and pages fed sideways are rotated and deskewed before reading. Fax headers are recognized and never mistaken for policy dates.
Phone photos
A superintendent photographs the certificate on a tailgate. Perspective, glare and shadows are corrected; glare that hides a digit goes to review instead of being guessed.
Multi-page packets
A 38-page email attachment is split into the certificate, remarks schedules, every endorsement and the WC certificate. Policy jackets, W-9s and invoices are set aside, not counted against you.
Password-protected PDFs
Files with copy or print restrictions open normally. When a file needs an open password, Pikorua Security replies on the same thread and asks for the password or an upload through the vendor's secure link.
State workers' comp forms
State certificates of coverage and self-insurance letters are read alongside the ACORD 25. In monopolistic states, Pikorua Security looks for stop gap employers' liability on the GL policy, since the state fund policy does not include it.
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?
Which documents does it read besides the ACORD 25?
Does it handle phone photos, faxes and password-protected PDFs?
How does the AM Best check work?
Do vendors have to change how they send certificates?
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- 01Endorsement ValidatorEvery ISO form and edition date in the packet, checked against the contract.
- 02Automated Broker ChasingDeficiency emails to the producer on the certificate and 60/30/15/0 renewals.
- 03Risk Transfer EngineContract exhibit rules by portfolio, project, trade and vendor.
- 04Payment & 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.