Automating Additional Insured Certificate Requests for General Liability & Construction and Commercial Auto: Reducing Manual Work with AI for the Compliance Analyst

Compliance analysts across General Liability & Construction and Commercial Auto are feeling the squeeze: more upstream requests, stricter contractual language, and relentless turnaround expectations on certificates of insurance and additional insured endorsements. It is common to face daily queues of certificate of insurance requests, each demanding careful comparison of ACORD 25 outputs against contract clauses and endorsement language like CG 20 10 and CG 20 37. The work is vital but highly repetitive and time-consuming, and any oversight can create compliance exposure, strained relationships with project owners and general contractors, and avoidable back-and-forth with underwriting.

Nomad Data’s Doc Chat was built for moments like these. Doc Chat is a suite of insurance‑specific, AI‑powered agents that read entire policy files, endorsements, and certificate requests in minutes, then surface exactly what a compliance analyst needs to know. It extracts the coverage details required by a contract, verifies the presence and effective scope of additional insured endorsements, drafts compliant ACORD 25 language, and flags gaps before a certificate goes out. By transforming manual review into automated, defensible workflows, Doc Chat helps teams issue accurate certificates faster and with fewer touchpoints. Learn more about the product here: Doc Chat for Insurance.

Why additional insured compliance is uniquely hard in GL & Construction and Commercial Auto

For a Compliance Analyst supporting General Liability & Construction and Commercial Auto, the difficulty is not only volume—it is nuance. Certificate requests rarely exist in a vacuum; they reference specific sections of master service agreements, subcontractor agreements, lender requirements, and project specifications. Those documents might require ongoing operations and completed operations additional insured status; primary and noncontributory wording; per‑project or per‑location aggregates; waivers of subrogation; notice of cancellation language; and alignment across GL, Auto, and Umbrella policies.

Compounding the challenge, the details that determine whether a certificate truly satisfies a request are scattered across multiple documents and forms:

GL additional insured endorsements: CG 20 10 (owners, lessees or contractors – scheduled or blanket; typically ongoing ops) and CG 20 37 (completed ops). Some projects require both, and the versions matter. Contract language may reference specific time periods for completed operations, or specify which revision dates are acceptable.
Primary and noncontributory requirement: Often addressed via a primary and noncontributory endorsement (frequently CG 20 01 or carrier‑specific wording) or by carefully reading the policy’s other insurance clause and endorsements to confirm a genuine primary and noncontributory outcome.
Waiver of subrogation: Typically evidenced via endorsements such as CG 24 04 on GL and CA 04 44 on Auto. Blanket waivers triggered by contract are common but still must be verified.
Commercial Auto AI: Additional insured status under auto liability is often addressed via an additional insured endorsement like CA 20 48 (Designated Insured) or carrier‑specific equivalents. Contracts sometimes demand primary and noncontributory treatment on auto as well.
Umbrella and follow‑form: Whether excess coverage truly follows the form for additional insured, waiver, and primary and noncontributory can hinge on umbrella policy language and any exceptions in the schedule of underlying insurance.
ACORD 25 output: Certificate holder, description of operations, additional insured check box, and cancellation notice language must align with carrier rules and contract expectations, without implying coverage changes the policies do not provide.

Even small wording differences change the outcome. A blanket AI endorsement triggered by written contract might appear sufficient, but exclusions or strict trigger language could leave the upstream party unsatisfied after an audit. Likewise, a contract might demand a three‑year completed operations tail, which implies confirming that CG 20 37 applies during that period and that the policy does not curtail coverage via sunset clauses. The Compliance Analyst must connect all these dots quickly, consistently, and defensibly.

The manual reality today for a Compliance Analyst

Most organizations still handle certificates and additional insured verification by hand. A typical manual workflow looks like this:

Request intake and classification: The certificate of insurance request arrives via email, vendor portal, or contract addendum. The Compliance Analyst identifies the required lines of business: GL, Auto, Umbrella; checks whether workers comp or professional liability is mentioned; and scans for additional insured requirements across GL and Auto.
Contract and endorsement hunt: The analyst opens the master contract and any attachments, finds the insurance section, and identifies requirements: CG 20 10, CG 20 37, primary and noncontributory, waiver of subrogation, per‑project aggregate, and specific limits. Then they locate the insured’s policy forms and endorsements for the current term, verifying the presence of the exact endorsements and revision dates in the issued policy, binder, or policy jacket.
Cross‑policy reconciliation: The analyst validates that umbrella language follows form for AI and waiver provisions, checks the schedule of underlying insurance, and notes any conflicts or exceptions. If Commercial Auto is in scope, they confirm auto AI and waiver endorsements and any primary wording that might be required.
ACORD 25 drafting: Next, the analyst completes the ACORD 25 certificate. They copy policy numbers, effective dates, and limits. In the Description of Operations, they draft tailored wording referencing AI and waiver, being careful not to imply coverage changes beyond the policy. They mark the Additional Insured box where appropriate, add project identifiers, and verify the Certificate Holder details precisely.
Exceptions and escalation: If any requirements are unmet (e.g., no CG 20 37), the analyst drafts a deficiency letter or alternative wording proposal and escalates to a broker or underwriting for endorsement changes, which can trigger new rounds of email threads and approvals.
Quality control and send: Finally, they proofread the ACORD, confirm it meets carrier rules and internal standards, save the work for audit, and transmit the certificate to the requestor. Many teams then manually calendar expirations or rely on spreadsheet trackers to prompt renewals and re‑issuance.

All of this is done under the pressure of strict timelines from general contractors, owners, lenders, or municipal authorities. Even the best Compliance Analyst can spend 20–60 minutes per request (longer for complex construction projects), with rework required when stakeholders push back on language or when endorsements do not actually match the contract.

Automate COI requests processing insurance with Doc Chat

Doc Chat automates the end‑to‑end tasks that consume a Compliance Analyst’s day. It reads certificate requests, contracts, and full policy files; confirms additional insured status for both ongoing and completed operations; checks for primary and noncontributory and waiver language across GL and Auto; and produces a compliant ACORD 25 draft with the right Description of Operations text. It also surfaces precise, page‑level citations to the policy endorsements—so you always know exactly where support for a certificate statement lives.

Key automations for General Liability & Construction and Commercial Auto include:

Endorsement verification: Detects CG 20 10 and CG 20 37 endorsements, confirms whether they are blanket or scheduled, identifies trigger language (such as when required by written contract), and highlights any carve‑outs that could undermine contract intent. For Commercial Auto, it checks for additional insured and waiver endorsements and flags mismatches to requested language.
Primary and noncontributory analysis: Locates primary wording or a PNC endorsement on GL and Auto, evaluates the policy’s other insurance clause, and assesses whether the practical outcome meets contract obligations. If not, Doc Chat drafts alternatives for underwriter consideration.
Umbrella follow‑form alignment: Reviews the umbrella to confirm follow‑form status for AI, waiver, and PNC, while highlighting any exceptions tied to the schedule of underlying insurance.
COI generation draft: Pre‑populates ACORD 25 fields (lines, policy numbers, effective/expiration dates, limits) and drafts the Description of Operations box with contract‑compliant language. It also inserts appropriate certificate holder details and additional insured check boxes and prepares variations if a project or location needs to be referenced.
Exception handling: If a request demands language that cannot be supported by the policy, Doc Chat produces a clear deficiency letter with citations. It can also assemble an endorsement request package for underwriting with the precise gap, preferred wording, and relevant contract excerpt.
Real‑time Q&A: Ask questions like Summarize all AI endorsements and their revision dates, Do we have CG 20 37 for completed operations, or Does the Auto policy provide AI with primary and noncontributory for this contract? Doc Chat answers instantly, citing the source page.

Because Doc Chat ingests entire files (thousands of pages), it does not miss buried exclusions or schedule notes that often complicate certificate language. And because we train Doc Chat on your playbooks and your approved ACORD 25 phrase library, every certificate draft and deficiency letter reflects your standards and your risk tolerance. To understand how and why this is possible, see Nomad Data’s perspective on document intelligence: Beyond Extraction: Why Document Scraping Isn’t Just Web Scraping for PDFs and AI’s Untapped Goldmine: Automating Data Entry.

AI for additional insured certificate generation: how Doc Chat builds a compliant ACORD 25 in minutes

Doc Chat takes the inputs a Compliance Analyst already works with—Certificate of Insurance Requests, contracts, ACORD 25 templates, policy forms and endorsements—and produces a complete, auditable output in minutes. Here’s what happens under the hood:

File ingestion: Drop in the certificate request, the portion of the contract that contains insurance requirements, and the current GL, Auto, and Umbrella policy file including endorsements such as CG 20 10, CG 20 37, any PNC endorsement, CG 24 04 on GL, CA 04 44 for Auto, and relevant umbrella provisions.
Requirement mapping: Doc Chat parses contract requirements and maps them to policy evidence. For example, if the contract requires ongoing and completed operations AI plus waiver and PNC, it verifies CG 20 10, CG 20 37, the presence of waiver endorsements, and PNC—flagging any shortfalls in seconds.
ACORD 25 draft: Doc Chat pre‑populates insurer names, policy numbers, effective dates, limits, and marks the Additional Insured box as appropriate. It constructs Description of Operations language from your approved library, automatically inserting project names, job numbers, and locations, and referencing endorsement triggers when necessary.
Gap analysis and options: If a needed endorsement is missing, Doc Chat drafts a deficiency letter or a carrier request package with the exact endorsement ask, suggested wording, and the contract excerpt. It also suggests viable alternatives when the policy cannot be modified.
Audit‑ready citations: Every statement on the COI draft is backed by page‑level citations to the policy. Oversight and QA teams can click to the source, accelerating approval and strengthening defensibility during audits or vendor disputes.
Workflow integration: Doc Chat can export the ACORD 25 draft and associated letters to your servicing system or to email, and it can push reminders for renewal certificates and re‑verification on policy changes.

The business impact for Compliance Analysts and their leaders

Automating certificate and additional insured workflows produces measurable results for General Liability & Construction and Commercial Auto programs. Based on our work with insurance organizations processing high volumes of document requests, teams routinely see:

Cycle time reduction: Moving from 20–60 minutes per certificate to minutes, even when contracts are complex and umbrella policies must be reconciled.
Lower loss‑adjustment and servicing expense: Analysts spend less time on repetitive extraction and more time on exceptions and stakeholder communication.
Accuracy and defensibility: Page‑level citations eliminate guesswork, reduce disputes with upstream parties, and stand up under audit.
Scalability: Surge volumes from new projects or seasonal peaks no longer require overtime or immediate hiring.
Employee engagement: Analysts escape repetitive data entry and focus on decisions and negotiations that use their expertise.

Industry research and our customer results consistently show that automating document‑centric workflows like certificates and endorsements yields substantial ROI. Many teams achieve double‑digit cost reductions and dramatic throughput increases in the first quarter of deployment. For a broader view of how automation transforms insurance operations, see AI for Insurance: Real‑World AI Use Cases Driving Transformation.

Concrete scenarios in GL & Construction and Commercial Auto

Scenario 1: A general contractor demands ongoing and completed operations AI with primary and noncontributory

A GC requires the insured to name the owner and GC as additional insured for both ongoing and completed operations, with primary and noncontributory status and a waiver of subrogation. The contract references specific language and expects three years of completed operations after substantial completion.

How a Compliance Analyst does this manually: read the contract’s insurance section, find endorsements in the GL policy (CG 20 10 and CG 20 37), confirm whether they are blanket or scheduled, check the revision dates, verify that the completed ops period will actually be covered across renewals, and then review the other insurance clause and any PNC endorsement. Next, verify CG 24 04 for waiver of subrogation, then confirm whether the umbrella follows form and if any exceptions exist. Draft ACORD 25, mark AI, write precise Description of Operations wording, and prepare a deficiency letter if the umbrella does not follow form for AI/PNC. This often involves back‑and‑forth with underwriting.

How Doc Chat handles it: ingest the contract and policies; confirm CG 20 10 and CG 20 37; detect whether wording is triggered by written contract and whether completed operations is in scope; validate PNC and waiver endorsements; audit umbrella follow‑form. Doc Chat then drafts the ACORD 25 Description of Operations, references the project, lists required AI and waiver status, and attaches a deficiency letter if any gaps exist. The analyst reviews, makes final edits if desired, and sends the certificate the same day.

Scenario 2: Lender requires ACORD 25 with special cancellation notice and auto AI

A lender requests that the ACORD reflect 30‑day notice of cancellation, plus evidence that the insured has granted auto additional insured status to the lender with primary and noncontributory wording. The insured’s Auto policy has AI via a carrier‑specific endorsement but does not offer 30‑day notice beyond state‑mandated notice requirements, and the carrier limits the ACORD cancellation wording to the standard disclaimer.

Manual approach: the Compliance Analyst must carefully draft the ACORD 25 Description of Operations to show AI and waiver where supported, while declining to alter the ACORD’s cancellation section beyond carrier policy. They verify the auto AI endorsement (e.g., CA 20 48 or equivalent), confirm whether PNC can be satisfied by language or endorsement, and craft a lender‑friendly but accurate certificate. Expect follow‑up emails.

Doc Chat approach: identify the auto AI and PNC status, supply exact citations, and generate a compliant Description of Operations that satisfies the lender’s needs without overstating coverage. If the contract demands a cancellation notice the carrier cannot provide, Doc Chat produces a polite, clear deficiency response with policy references, avoiding risky custom wording on the ACORD.

Scenario 3: Per‑project aggregate required on a large build

A project owner requires per‑project general aggregate limits. The contract explicitly calls for a per‑project aggregate endorsement. The insured’s GL policy may include it via endorsement, or the umbrella may provide a separate aggregate per project.

Manually, the Compliance Analyst hunts for the per‑project aggregate endorsement (e.g., CG 25 03 or carrier‑specific equivalent), verifies how the umbrella treats the aggregate, and drafts the certificate. If missing, they request an endorsement change or propose alternatives to the owner.

Doc Chat scans for per‑project aggregate endorsements and umbrella alignments instantly, highlights any exceptions that undermine the contract intent, and drafts both the ACORD 25 and a precise endorsement request package for underwriting, including the exact contractual citation.

From manual to machine: standardizing best practices and eliminating rework

Doc Chat does more than extract data. It institutionalizes the nuanced judgment that your best Compliance Analysts have already refined. We capture your team’s playbooks—approved phrase banks for ACORD 25; red‑flag rules for when to escalate versus when to issue; internal standards for documenting file support—and embed them into the agent’s behavior. The result is standardized, replicable quality across the team, regardless of who is at the desk on any given day.

This is exactly the shift Nomad Data describes in our deep dive on document intelligence: we are not just pulling fields from a form; we are automating the reasoning steps an expert uses to create a defensible outcome. See Beyond Extraction for why this matters on complex insurance workflows.

What Doc Chat reads and produces for the Compliance Analyst

Doc Chat is designed for the documents that govern additional insured certificates in GL & Construction and Commercial Auto. Typical inputs and outputs include:

Inputs

Certificate of Insurance Requests and contract insurance sections
ACORD 25 templates
GL policy with additional insured endorsements: CG 20 10, CG 20 37 (and where applicable, other AI endorsements such as CG 20 33 or CG 20 38), PNC endorsements (e.g., CG 20 01 or carrier‑specific), waiver of subrogation (CG 24 04), per‑project aggregate endorsements
Commercial Auto policy endorsements for AI and waiver (e.g., CA 20 48, CA 04 44 or carrier‑specific equivalents)
Umbrella/excess policies and schedules of underlying insurance

Outputs

Drafted ACORD 25 with accurate limits, dates, carriers, NAICs where applicable, and properly marked additional insured status
Tailored Description of Operations language from your approved library, with project/location references
Deficiency letters and endorsement request packages with exact citations to the contract and policy language
Page‑level citations for every statement, enabling instant QA and providing an audit trail
Renewal reminders and re‑verification prompts when policies change or approach expiration

Compliance guardrails: accuracy, auditability, and defensibility

Because the ACORD 25 is informational and does not alter coverage, precision matters. Doc Chat helps Compliance Analysts avoid risky language and ensure that certificate statements mirror the policy and endorsements. It also records how each conclusion was reached, with links to source pages in the policy jacket. This traceability protects your organization during vendor audits and reduces friction with upstream partners who question certificate sufficiency.

For a detailed look at how insurers use AI to deliver speed and accuracy with page‑level explainability, see our customer story: Reimagining Insurance Claims Management. While the use case is claims, the same principles—instant answers, citations, and audit‑ready transparency—apply to certificates and policy servicing.

Why Nomad Data is the best partner for automating certificates and additional insured endorsements

Nomad Data’s Doc Chat is not a generic chatbot. It is an insurance‑grade, purpose‑built system that ingests entire policy files, applies your standards, and outputs the artifacts your Compliance Analysts use every day. Our differentiators:

Volume and speed: Doc Chat reads entire files and contract attachments in minutes, surfacing coverage triggers, exclusions, and endorsement language that manual methods often miss.
Complexity mastered: Additional insured, waiver, PNC, per‑project aggregate, and umbrella follow‑form status are evaluated across documents so you can issue a certificate with confidence.
The Nomad Process: We train Doc Chat on your organization’s playbooks, approved ACORD 25 wording, escalation thresholds, and carrier‑specific rules. Output matches how your team already works.
Real‑time Q&A: Ask a natural‑language question and get an answer with a page‑level citation—even across massive policy files and multi‑year renewals.
White glove service and fast time to value: Implementation typically takes 1–2 weeks, with Nomad acting as a hands‑on partner, not just a vendor. We co‑create the solution and iterate with your Compliance Analysts.
Security and governance: Built for regulated environments, with audit trails on every output. For more on the enterprise‑grade posture and immediate ROI of document automation, see AI’s Untapped Goldmine: Automating Data Entry.

To speak with our team and see a live demo, visit Doc Chat for Insurance.

Frequently asked questions from Compliance Analysts

Will Doc Chat generate language the carrier does not allow on ACORD 25?

No. Doc Chat is trained on your approved language library and carrier rules. It will not produce statements that over‑promise or imply coverage changes. If a request contains non‑compliant wording, Doc Chat produces a clear deficiency response with citations.

What about contract requirements that exceed what the policy provides?

Doc Chat highlights the gap and drafts an endorsement request for underwriting or offers alternative language for the certificate holder. It always pairs recommendations with exact contract and policy references so stakeholders can quickly align on next steps.

Does Doc Chat support renewals and project‑based re‑issuance?

Yes. It can track expiration dates and prompt re‑issuance, re‑verifying AI, waiver, PNC, and per‑project aggregates on the renewal policies. It ensures certificate language stays synchronized with current policy terms.

Can Doc Chat handle high‑volume, multi‑project construction requests?

Absolutely. Construction programs generate heavy certificate volumes with nuanced requirements. Doc Chat scales instantly and standardizes outcomes across the portfolio, reducing variability between analysts and accelerating turnaround times.

Where AI makes the biggest difference for additional insured certificates

The greatest gains come from replacing low‑value manual reading and copying with automated extraction and reasoning. Certificates and AI endorsements are a classic case of high volume, high stakes, and predictable playbooks—exactly where AI delivers dramatic ROI. Doc Chat’s ability to read multiple policies and endorsements, cross‑check contract requirements, and output a compliant ACORD 25 draft provides an immediate multiplier for any Compliance Analyst supporting General Liability & Construction and Commercial Auto.

In short, teams that adopt AI for additional insured certificate generation are not simply working faster; they are working better. They eliminate rework, reduce disputes, and ensure a consistent, defensible standard across the entire certificate process.

Implementation: 1–2 weeks to operational value

Nomad Data’s approach makes it easy to get started. We begin by ingesting a sample set of your certificate requests, contracts, ACORD 25 templates, and representative policy files. In parallel, we capture your ACORD phrase library and escalation rules—what to issue now, what to escalate to underwriting, what to decline, and when to propose alternatives. Within 1–2 weeks, your Compliance Analysts are issuing certificate drafts with source citations and automated deficiency letters, with Nomad’s team on hand to refine wording and workflows.

Because Doc Chat works with the systems you already use, you can start with drag‑and‑drop and graduate to integrations later. As adoption grows, we can connect to your policy administration or servicing systems and document repositories to further reduce manual steps.

Getting started: choose the highest‑value, lowest‑friction use cases first

If you are exploring how to automate COI requests processing insurance, begin with a targeted pilot: choose a single project owner or GC with a large volume of requests and consistent contract language, or focus on requests that repeatedly require CG 20 10 and CG 20 37 with PNC, waiver, and per‑project aggregates. In weeks, you will see cycle time and error rates drop—and analysts will have more time for exceptions and stakeholder management.

To discuss your specific certificate process and see Doc Chat draft a live ACORD 25 from your documents, visit Doc Chat for Insurance.

Final thoughts

Certificates of insurance and additional insured endorsements are where contractual promises meet policy reality. For a Compliance Analyst in General Liability & Construction and Commercial Auto, the work demands speed, accuracy, and impeccable documentation. Nomad Data’s Doc Chat removes the friction by reading every page, applying your standards, and generating complete, audit‑ready outputs—from ACORD 25 drafts to deficiency letters with citations. The result is faster certificates, fewer disputes, and a more scalable, resilient compliance function.

AI for additional insured certificate generation is here. The teams that embrace it will set new benchmarks for responsiveness, accuracy, and partner satisfaction—while giving their analysts the tools and time to focus on higher‑value work.