See what’s actually in your subs’ insurance.
Coibeacon reads a Certificate of Insurance packet down to the endorsement level — form codes, additional insureds, waivers, primary & non-contributory — and shows what matches your contract and what’s missing. A detection aid, not a verdict: a qualified human on your team still makes the call.
A two-minute form, a reply within one business day, then a 20-minute walkthrough.
Built for general contractors running 50–300 subcontractors.
One packet, handed to three readers.
- Your reviewer, by hand
- 30+min
- Coibeacon's engine
- ~10sec
- An outsourced review queue
- 24–48hr
to read one packet
One COI packet, worked endorsement by endorsement the way your office does it today.
to read the same packet
The same packet — its findings anchored to the certificate text they came from, for a human to check.
before the same packet is back
The turnaround many outsourced COI services quote — stretching to weeks at renewal.
Show the receipt
Everyone says they read the endorsements. We show you the line.
“Upload Monday, an answer Friday” is the incumbent wait. Here the packet is read in seconds and every finding points at the exact text it came from — so you make the call, not a black box.
Four honest states — never the word “verdict” the tool isn’t allowed to give.
Status reflects the document’s text against the parameters you requested. It does not verify active coverage with a carrier — hover any chip for the full note. A qualified human on your team still makes the call.
How it works
Three steps, and the last one is yours.
- STEP 01
The packet arrives
Upload it, or let it land from the email your brokers already send. No new portal for your subs to log into.
- STEP 02
The engine reads the endorsements
Form codes, scheduled additional insureds, primary & non-contributory, waivers of subrogation — located in the document text, not guessed.
- STEP 03
A human decides
The findings are inputs. The verdict and the record stay yours — a qualified reviewer makes the call and it goes on the log.
What we read
The cert face barely tells you anything. The coverage lives in the endorsements.
So that’s what we read — form by form, clause by clause, down to the exact line. Here’s what comes back off a single packet.
Endorsement forms
Detected“…is an additional insured for ongoing operations under the Owners, Lessees or Contractors — Scheduled Person endorsement…”
We match the actual form numbers and read their language — not just the box on the certificate face that claims they exist.
Limits
- Each occurrence
- $1,000,000
- General aggregate
- $2,000,000
- Umbrella / excess
- $5,000,000
Read as figures and checked against the number your contract asks for.
Additional insured
Detected- Scheduled name
- Meridian Builders LLC
- Basis
- Ongoing & completed operations, per written contract
Primary & non-contributory
“This insurance is primary and non-contributory as respects the additional insured…”
The clause your contract almost certainly requires — found, or flagged as absent.
Waiver of subrogation
“We waive any right of recovery against the additional insured where required by written contract…”
Read from the endorsement itself, with the language you can check by eye.
Works with the email your brokers already send
Brokers forward the COI packet to an address you own — no portal, no new habit. It lands, we read it, and once it’s matched to the sub, the gaps are waiting for your reviewer. Anything the read can’t resolve is marked Needs human review, not guessed.
When a claim or audit lands, show exactly what was read — and when.
Every read, attestation, and close is appended once and never rewritten. The log is the record; nothing here decides for you.
- 2026-03-14 09:02Inbound email. Packet received from Harborlight Insurance Services (v2) — Apex Electrical LLC, Beacon Ridge Medical Tower.
- 2026-03-14 09:02Reading engine. Endorsements read: CG 20 10, CG 20 37, primary & non-contributory, waiver of subrogation — each located in the certificate text.
- 2026-03-14 09:03Reading engine. Evaluated against Beacon Ridge Medical Tower requirements. Status recorded: Matches Requirements.
- 2026-03-14 14:20Broker attestation. Signed by Katherine Reyes, Authorized Representative, for Harborlight Insurance Services.
- 2026-07-11 16:45Reviewer. Assignment closed by the reviewer — on the record. Standing watch takes over for renewals.
Every read, attestation, and close lands as one more dated line — so when a claim or audit calls, you scroll the record, you don’t go searching for it.
Append-only · service-role writes · nothing is ever rewritten.
Two ways teams do this today. Neither shows its work.
Spreadsheet + inbox
Tracked by hand, chased over email.
Outsourced review queue
Packets shipped off to a review desk with an AI veneer.
Coibeacon
Endorsement-level reading, evidence on the page.
Turnaround at renewal
Days of manual re-keying; weeks of backlog every renewal season.
Upload and wait — a review SLA in hours or days, longer when volume spikes.
Seconds to a read the moment a packet lands.
What you get back
Whatever the last reviewer remembered to note in a cell.
A pass/fail chip with no evidence behind it.
Every finding anchored to the exact document line, for a human to decide.
What your subs endure
Email chains, re-sends, and lost attachments.
Portal logins and passwords they abandon.
One magic link. No account, no password.
Pricing
Free — until a missed endorsement becomes a claim.
Per-vendor and per-extraction fees that creep with volume.
Sized by your operation. No per-extraction metering.
Audit trail
Email archaeology when a claim or audit lands.
Their system of record, exported on their terms.
An append-only ledger — exactly what was read, and when.
Turnaround at renewal
- Spreadsheet + inbox
- Days of manual re-keying; weeks of backlog every renewal season.
- Outsourced review queue
- Upload and wait — a review SLA in hours or days, longer when volume spikes.
- Coibeacon
- Seconds to a read the moment a packet lands.
What you get back
- Spreadsheet + inbox
- Whatever the last reviewer remembered to note in a cell.
- Outsourced review queue
- A pass/fail chip with no evidence behind it.
- Coibeacon
- Every finding anchored to the exact document line, for a human to decide.
What your subs endure
- Spreadsheet + inbox
- Email chains, re-sends, and lost attachments.
- Outsourced review queue
- Portal logins and passwords they abandon.
- Coibeacon
- One magic link. No account, no password.
Pricing
- Spreadsheet + inbox
- Free — until a missed endorsement becomes a claim.
- Outsourced review queue
- Per-vendor and per-extraction fees that creep with volume.
- Coibeacon
- Sized by your operation. No per-extraction metering.
Audit trail
- Spreadsheet + inbox
- Email archaeology when a claim or audit lands.
- Outsourced review queue
- Their system of record, exported on their terms.
- Coibeacon
- An append-only ledger — exactly what was read, and when.
Not a stamp. A detection aid.
A tool that says “you’re covered” on a packet with a hidden exclusion is the kind of mistake that ends in a lawsuit. We don’t do that. We tell you what the documents say — and what they don’t — so a qualified human can make the call.
We don’t call carriers
We read documents, not policies in force. Confirming coverage is active stays with your broker and the carrier.
We don’t confer status
The certificate holder box is not proof of additional-insured status. We surface the endorsement that is — or flag that it’s missing.
We don’t decide for you
Findings are inputs to a human reviewer. The verdict — and the record that stands behind it — is yours.
One office, three seats at the same record.
Built for one buyer — the general contractor — and the three people inside it who live with COIs.
Risk manager
The portfolio, at a glance.
- Every project’s open gaps in one view
- The renewal calendar before it becomes a fire
- The append-only ledger when an audit lands
Project manager
Just the job they’re running.
- Which subs on this project are missing what
- One link to send the broker to chase it
- A read the moment a COI arrives
Office manager
The daily COI desk.
- The triage inbox of incoming packets
- Requests going out under your company’s name
- Exactly what still needs a human eye
Security & data handling
Built like a record you can defend.
No badges to show off — just the engineering underneath, stated plainly.
Have a deeper security question — SSO, retention, subprocessors? We answer them directly on the demo call, not with a badge you can’t audit.
Isolated per organization
Row-level security enforces tenant boundaries at the database itself: every user-facing read is scoped to your organization’s rows. It isn’t an application setting we can forget to switch on.
An append-only ledger
Evaluations are never edited — a database trigger blocks updates outright, so a correction is a new entry, not a rewrite. The record of what was read, and when, shows its work.
Signature-checked events
Webhooks are checked against their signatures before anything is processed, so a forged request can’t drive the system.
Links that expire
Subs and brokers act through single-purpose magic links that time out — no shared passwords to leak, no standing accounts to compromise.
Questions
The honest answers
Does this replace my broker?
Do you verify coverage with the carrier?
What does setup take?
What do my subs have to do?
How do you handle our data?
What does it cost?
What happens when the AI isn’t sure?
One steady light over every packet you keep.
See a real read against your own contract requirements, and decide whether Coibeacon belongs in your review. No prices to negotiate on a form — you’ll get a real number on the first call.
Book a demo