COI verification

Verify every sub's ACORD 25 in 30 seconds

Upload the ACORD 25 Certificate of Insurance your sub or vendor sent over and PaidWrite checks coverage limits, additional-insured language, waiver-of-subrogation status, and expiration dates against the requirements you set.

Scan a document Read the ACORD 25 Certificate of Insurance — full guide

Why COIs are the #1 source of vendor onboarding friction

  • ▲ Subs send PDFs at all hours; you stare at four-column tables of coverage descriptions and have to spot the missing endorsement.
  • ▲ "Additional insured" sounds simple but the wrong endorsement (CG 20 10 vs. CG 20 37) can leave you uncovered for completed operations.
  • ▲ Expirations slip past unnoticed — and you find out at the worst possible moment, mid-claim.

How PaidWrite verifies an ACORD 25

  • ✓ Reads each coverage line (GL, auto, workers comp, umbrella, professional) and compares limits against your minimums.
  • ✓ Detects the additional-insured endorsement form by number and warns when CG 20 37 (completed operations) is missing.
  • ✓ Surfaces waiver-of-subrogation status and primary-noncontributory language.
  • ✓ Flags certificates within 30 days of expiration.

What you get

Limit-floor checking

Set minimum required limits per coverage line (GL, auto, workers comp, umbrella). PaidWrite flags any sub below the floor.

Endorsement form detection

Identifies CG 20 10, CG 20 37, CG 24 04 by form number — not just keyword search.

Expiration calendar

Surfaces certificates expiring within 30 days so you can request a renewal before work stops.

Waiver-of-subrogation check

Warns when waiver of subrogation is required by your contract but missing on the COI.

Frequently asked questions

Can I set my own coverage minimums?
Yes. Configure limit floors per coverage line (GL aggregate, auto combined single limit, umbrella, etc.) and PaidWrite enforces them on every COI you upload.
Does it read the holder's name on the certificate?
Yes — PaidWrite confirms the certificate holder matches the GC or owner you specify.
What about old paper certificates?
PDF, PNG, or JPG photo all work. ACORD 25 has been the standard since the 1980s; legacy formats fall back to keyword matching.
How is this different from a COI tracking platform?
COI tracking platforms store and remind. PaidWrite is the analysis layer — verify the certificate is actually compliant before storing it anywhere.

Educational reference. PaidWrite cites California statutes but is not a substitute for a licensed attorney on binding matters. See Disclaimer.