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.
Five segments
The same certificate fails each of you in a different place.
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
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
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
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
| Coverage | Typical requirement | What proves it |
|---|---|---|
| Commercial general liability | $1,000,000 each occurrence / $2,000,000 aggregate per project | ACORD 25 + CG 25 03 |
| Additional insured, ongoing and completed ops | Owner, GC and lender scheduled | CG 20 10 + CG 20 37 or CG 20 38 |
| Primary & non-contributory | As written in the subcontract | CG 20 01 |
| Waiver of subrogation | GL, auto and workers' comp | CG 24 04, CA 04 44, WC 00 03 13 |
| Umbrella / excess | $5,000,000 follow form, AI carried up | ACORD 25 umbrella section |
Integrations that matter
ProcoreCommitment sync and invoice holds
CMiCSubcontract AP holds
Autodesk Construction CloudProject directory and company sync
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.
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 Parser02
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 Validator03
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 Chasing04
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 tradesFirst-review defect rate by trade, 2026 benchmark
- Roofing84%
- Structural steel78%
- Excavation & sitework76%
- Concrete73%
- Drywall & framing71%
- HVAC & mechanical67%
- Plumbing65%
- Electrical62%
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- 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 calculator14-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.