CertLedger

What we check on every ACORD 25

Not just “is there a PDF on file.” CertLedger line-items the fields that actually fail audits and claims scrutiny.

Coverage limits

• General liability each-occurrence and aggregates (general / products-completed)
• Automobile, workers’ compensation / employers’ liability when required
• Umbrella / excess when your matrix requires it

Dates

• Policy effective and expiration for each line
• Renewal chase windows before lapse (configured per client)

Endorsements & structure

• Additional insured (checkbox + Description of Operations cues)
• Waiver of subrogation
• Primary & non-contributory when your exhibit requires it
• Occurrence vs claims-made form type mismatches

Plain English on the big three: additional insured, waiver of subrogation & primary non-contributory.

Identity

• Certificate holder must match your entity language
• Producer / broker block captured for chase routing

How verdicts work

AI transcribes the form. Rules compare values to your insurance exhibit (or a pilot mid-hazard profile). Ambiguity escalates to a human — never a silent pass.

Run a free 10-certificate pilot →

See a sample findings report.

Home · COI tracking for property managers · COI endorsements

CertLedger · 10845 Griffith Peak Dr Ste 200A, Las Vegas, NV 89135 · certs@certledger.ai