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Certificate of insurance checker

Enter what a sub’s certificate of insurance shows and check it against your requirements — limits, additional insured, waiver of subrogation, certificate holder and expiration dates. Results update as you type.

Free · No signup · Runs in your browser

Your requirements — GL $1M/$2M, auto $1M, WC + EL $500k, additional insured (edit)

What the certificate shows

Have the PDF? Skip the typing — upload it to the free ACORD 25 checker and AI fills everything in for you.

What this checker looks at

  • General liability each-occurrence and aggregate limits, additional insured and waiver of subrogation.
  • Auto liability combined single limit.
  • Umbrella / excess limits — and whether an umbrella can make up a shortfall.
  • Workers’ compensation presence and employers’ liability limits.
  • Certificate holder name and every required policy’s expiration date, with a warning when one lapses within 30 days.

Where to find each value

Every value comes from the certificate’s coverage table. If you’re not sure which box is which, open the annotated certificate of insurance sample next to this page.

Don’t know what to require?

Generate common limits by trade and project size with the subcontractor insurance requirements generator, then paste them into the requirements panel above.

FAQ

Common questions.

  1. 01

    How do I check a certificate of insurance?

    Compare each policy on the certificate with your contract: general liability, auto, umbrella and workers’ comp limits; whether you’re shown as additional insured and with a waiver of subrogation; the certificate holder name; and every policy’s expiration date.

  2. 02

    What makes a certificate of insurance non-compliant?

    Common problems: a required policy is missing, a limit is below what your contract requires, a policy has expired, the additional insured or waiver box isn’t marked, or the insured or holder name is wrong.

  3. 03

    Can an umbrella policy make up for low general liability limits?

    Often, if your contract allows it. For example, $500,000 GL plus a $1,000,000 umbrella may satisfy a $1,000,000 requirement. The checker flags this as a note rather than a failure; switch the behaviour off if your contract doesn’t allow it.

  4. 04

    Is my certificate data uploaded anywhere?

    No. This free checker runs entirely in your browser — nothing you type is sent to our servers.

  5. 05

    Can this read the PDF for me?

    The free checker uses the values you enter. Certy reads uploaded PDFs and photos automatically with AI, runs the same checks, and reminds your subs before anything expires.

More free tools

Free ACORD 25 checker

Upload a COI — AI reads it and tells you if it meets your requirements.

Waiver of subrogation explainer

Toggle the waiver on and off and watch who pays when a sub’s worker gets hurt.

Additional insured vs certificate holder

Four questions to identify documents and coverage terms to confirm with your broker.

Skip the typing. Let Certy read the certificate.

Upload a COI or send your sub a link — AI reads it, runs these checks, and chases renewals. 30-day money-back guarantee.

Try Certy

These free tools are general information, not legal or insurance advice. Requirements and rules vary by contract, carrier and state — confirm with your broker or attorney.