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

For Policy Servicing Specialists supporting General Liability & Construction and Commercial Auto accounts, the volume and variability of additional insured (AI) requirements and certificate of insurance (COI) requests are relentless. Projects launch and close, subcontractors rotate, lenders and owners update language mid-stream, and every stakeholder wants Proof Now. The problem isn’t just speed—it’s precision. You must confirm exactly which endorsements are on the policy (for example, CG 20 10 and CG 20 37), whether blanket triggers apply, and whether the certificate description matches the contract, all without misrepresenting coverage.

That’s exactly where Doc Chat by Nomad Data changes the game. Doc Chat is a suite of purpose-built, AI‑powered agents that ingest entire policy files, construction contracts, endorsement schedules, and COI request emails, then answer questions, extract key fields, draft compliant ACORD 25 entries, and route approvals—moving work from days to minutes. If you’ve ever searched a forms schedule for CG 20 10 or compared contract language to a blanket additional insured endorsement, you already know why Policy Servicing Specialists are turning to AI to automate COI requests processing insurance.

Why Additional Insured and COI Work Is a Persistent Bottleneck

In General Liability & Construction, AI obligations are embedded in contracts, subcontracts, and project manuals. In Commercial Auto, designated insured requirements often mirror the same stakeholders. But requirements are nuanced: ongoing operations vs. completed operations, scheduled vs. blanket AI, primary and noncontributory wording, waiver of subrogation, per-project aggregates, and 30-day notice of cancellation. Certificates can’t change coverage and yet are frequently used as compliance instruments by counterparties. The result: Policy Servicing Specialists spend disproportionate time translating contracts into endorsements and COI text while avoiding errors that can create E&O exposure.

Common scenarios include:

• Confirming the presence of CG 20 10 (ongoing ops) and CG 20 37 (completed ops) and whether an automatic/blanket AI endorsement applies “when required by written contract.”
• Determining if Primary and Noncontributory – Other Insurance Condition is endorsed on the GL and Auto policies.
• Verifying Waiver of Transfer of Rights of Recovery (Waiver of Subrogation) endorsements on GL (e.g., CG 24 04) and Auto.
• Checking Commercial Auto additional insured status (for example, CA 20 48 – Designated Insured) for the project owner or GC.
• Populating ACORD 25 correctly, ensuring the Description of Operations points to the contract and endorsements—without implying coverage not granted by policy.

For Policy Servicing Specialists, the pressure is compounded by project timelines, portal-driven compliance checks, and rotating certificate holder lists. Each request is small on its own; in aggregate, they overwhelm teams.

The Nuances of the Problem for Policy Servicing Specialists

In the General Liability & Construction line, requirements differ by trade, owner, and jurisdiction. A project owner might demand AI for both ongoing and completed ops plus primary/noncontributory wording and per-project aggregates (e.g., CG 25 03 or CG 25 04). Subcontract agreements may reference legacy ISO editions or custom manuscript forms. In Commercial Auto, a general contractor may request designated insured status for covered auto liability and a waiver of subrogation—often using terminology borrowed from GL. Meanwhile, the insured’s policy might have blanket AI that requires a written contract, but the certificate holder’s template asks for named AI.

Even small mistakes—like putting “primary and noncontributory” on the ACORD 25 without the actual endorsement—can escalate into disputes or compliance rejections. Tracking effective dates, retro dates, completed ops duration (often the statute of repose), and cancellation notice obligations adds administrative risk. The Specialist’s role is part legal interpreter, part document detective, part data-entry expert, and part risk counselor—usually with little automation support.

How the Process Is Handled Manually Today

Most servicing teams follow a manual, multi-step routine:

1. Open the account file in an agency or carrier system, then locate the policy, endorsement schedule, and PDFs for forms like CG 20 10, CG 20 37, and Primary & Noncontributory.
2. Search email threads and client portals for the contract or compliance checklist. Identify the exact requirement language and edition dates.
3. Compare policy endorsements to contract requirements. If there’s a gap (e.g., no completed ops AI), escalate to the broker/underwriter to quote or endorse.
4. Manually draft the ACORD 25: complete insured info, policy numbers, limits, effective dates, and tailor the Description of Operations to reference the contract and endorsements without overstating coverage.
5. Validate certificate holder names and addresses, confirm if notices are required, and whether any special wording is demanded by a compliance portal.
6. Attach or reference relevant endorsements as needed, route for approval, send, and file. Repeat for dozens or hundreds of similar requests.

Every step is vulnerable to delays and inconsistencies. With tight SLAs and seasonal spikes, backlogs form quickly. This is why teams are actively searching for AI for additional insured certificate generation that understands both insurance language and real-world documentation.

Beyond OCR: Why “AI for Additional Insured Certificate Generation” Requires Inference

Issuing a compliant COI on ACORD 25 is not just data extraction. You need to read across multiple documents, apply nuanced rules, and infer whether a requirement is actually satisfied by the policy. As Nomad explains in Beyond Extraction: Why Document Scraping Isn’t Just Web Scraping for PDFs, real document automation demands reasoning—the ability to connect contract triggers with endorsement conditions like “when required by written contract,” or to distinguish ongoing operations from completed operations commitments and duration.

Doc Chat’s agents are trained to read like seasoned servicing professionals: they aggregate signals from policy jackets, forms schedules, the endorsements themselves, and the written contract. They surface what is present, what is missing, what is conditional, and what should be reflected (or not) on the certificate. This is how you truly automate COI requests processing insurance while reducing E&O exposure.

How Nomad Data’s Doc Chat Automates the End-to-End COI Workflow

Doc Chat ingests entire client files—policies, endorsements, forms schedules, master service agreements, subcontracts, email requests, and compliance checklists—then executes the work the way your best Policy Servicing Specialists do, only in minutes and at scale.

1) Intake and Triage

Doc Chat monitors inboxes and portals, classifies messages as COI requests, extracts certificate holder details, deadlines, contract references, and requested provisions (AI, PNC, waiver, notice, limits). It auto-matches to the account, policy term, job, and project ID.

2) Policy and Endorsement Verification

The agent reads the GL and Auto policies, forms schedules, and endorsements. It confirms the presence and editions of CG 20 10, CG 20 37, blanket AI forms, Primary & Noncontributory – Other Insurance Condition, Waiver of Subrogation (e.g., CG 24 04 for GL), and Auto equivalents such as CA 20 48 – Designated Insured. It verifies conditions (e.g., requirement of a written contract) and flags any gaps.

3) Contract-to-Policy Mapping

Doc Chat reads the construction agreement or compliance checklist, separates ongoing vs. completed ops AI, identifies per-project aggregate requirements, notice of cancellation language, and specific third-party wording. It then maps these to the policy endorsements to confirm compliance or recommend endorsements.

4) Drafting the ACORD 25

Using your approved templates and playbook, Doc Chat drafts the ACORD 25: policy numbers, effective dates, limits, additional insured indicators, and a compliant “Description of Operations/Locations/Vehicles” that references the contract and the exact endorsements—never implying coverage that is not granted. It can attach endorsement images or page-cited references, per your standards.

5) Quality Checks, Approval, and Delivery

Every draft comes with a page-level citation trail so reviewers can click straight to the source language. Approved certificates are emailed or uploaded to portals automatically, with all artifacts filed back to the account record. If the policy is missing endorsements, Doc Chat creates a pre-formatted endorsement request or quote memo for the broker/underwriter, complete with contract citations.

Deep-Dive: Reading the Forms That Drive Construction and Auto COIs

Doc Chat understands the forms that matter to Policy Servicing Specialists:

• Additional Insured Endorsements: CG 20 10 (ongoing operations) and CG 20 37 (completed operations). Variants like CG 20 33/CG 20 38 or manuscript blanket AI endorsements are recognized, including trigger language such as “when required by written contract or agreement.”
• Primary & Noncontributory: The agent confirms presence on GL and Auto, edition dates, and whether conditions are met to state PNC on the certificate.
• Waiver of Subrogation: GL (e.g., CG 24 04) and Auto counterparts, blanket vs. scheduled, and whether blanket language is contract-triggered.
• Per-Project Aggregate: Identifies endorsements like CG 25 03/CG 25 04 where present and surfaces their exact language for certificate description guidance.
• Commercial Auto Additional Insured: Recognizes CA 20 48 – Designated Insured and related forms, aligning COI text with actual coverage.
• Notice of Cancellation: Surfaces any special state or manuscript endorsements and cautions when requests exceed policy language or state allowances.
• ACORD 25 specifics: Ensures proper completion and defensible wording in Description of Operations, certificate holder fields, and special conditions sections.

Because Doc Chat provides page-level citations, reviewers and auditors can instantly verify every statement, which is essential when portals reject certificates or counterparties dispute wording.

Real-Time Q&A Across Massive Document Sets

Doc Chat’s Real-Time Q&A is built for busy Policy Servicing Specialists. Ask questions like, “List all AI endorsements on the GL with edition dates,” “Does the Auto policy include a designated insured endorsement for the project owner?” or “What wording does the blanket AI use for the contract trigger?” and get instant answers with links back to the exact page and paragraph.

This is the same capability that has helped claims teams collapse review cycles, as described in Reimagining Claims Processing Through AI Transformation. The difference here is the playbook: Doc Chat is trained to your certificate language standards, your escalation thresholds, and your carrier or broker guidelines so it outputs exactly what your team would write—just faster and more consistently.

Guardrails That Reduce E&O Risk

Certificates do not amend, extend, or alter coverage. Doc Chat enforces this principle. It will not add wording to ACORD 25 that the policy does not support and will propose compliant alternatives when a certificate holder requests language outside the policy or state allowances. When needed, Doc Chat drafts a professional response explaining the limitations and recommends the right endorsement request to satisfy the requirement.

The Business Impact: Time, Cost, Accuracy, and Scalability

Replacing manual COI work with Doc Chat yields measurable gains:

• Time savings: Turnaround drops from hours per certificate to minutes, even when contracts are lengthy and policy files span hundreds of pages.
• Cost reduction: Fewer manual touchpoints and less rework reduce operating expense. Teams scale to seasonal spikes without overtime or temporary staff.
• Accuracy and compliance: Page-level citations, standardized language, and contract-to-policy mapping cut errors and portal rejections.
• Happier teams: Specialists focus on exceptions and client service rather than repetitive search-copy-paste work.

These outcomes mirror what Nomad clients report across other document-heavy workflows. As we discuss in AI's Untapped Goldmine: Automating Data Entry, even highly skilled work often collapses to structured extraction and rule application—exactly where Doc Chat excels at enterprise scale.

Why Nomad Data: The Nomad Process, Speed to Value, and White Glove Service

Most organizations don’t have the time or expertise to build reliable AI for nuanced insurance workflows. With Doc Chat, you’re not buying a toolkit; you’re gaining a partner. We train Doc Chat on your documents, rules, and certificate language so it mirrors how your best Policy Servicing Specialists operate.

What sets Nomad Data apart:

• Personalized training on your policy forms, endorsement catalog, and contract patterns to ensure accurate inferences.
• 1–2 week implementation timeline for initial deployment, with drag‑and‑drop usage on day one and phased integration into agency/carrier systems.
• White glove service from a team skilled at translating unwritten playbooks into scalable, auditable steps.
• Scalability that ingests whole files—thousands of pages—without adding headcount.
• Traceability via page-level citations so compliance, audit, and E&O stakeholders can trust every line.

For a deeper view into the discipline behind our approach, see Beyond Extraction: Why Document Scraping Isn’t Just Web Scraping for PDFs.

Security, Governance, and Defensibility

Doc Chat is built for regulated environments. Nomad Data maintains SOC 2 Type 2 controls, and every answer is anchored to its source with page-level citations. Insurers and brokers use this defensibility to satisfy internal audit, carrier oversight, and portal compliance challenges. As covered in our webinar recap with Great American Insurance Group, explainability is key to adoption—and Doc Chat makes it standard.

Where Doc Chat Fits in Your System Landscape

Doc Chat can be used immediately via secure drag‑and‑drop. As adoption grows, it integrates with your agency management system or carrier platforms to pre-fill ACORD 25, attach endorsement PDFs, populate certificate holder lists, and push audit trails into the account file. Typical integrations complete in two to three weeks thanks to modern APIs, but your team can gain value on day one without any integration.

Practical Examples: From Request to Certificate in Minutes

Example 1: Construction Owner Demands Ongoing and Completed Ops AI

A project owner asks for AI status for ongoing operations and completed operations, primary/noncontributory, waiver of subrogation, 30‑day notice, and per‑project aggregate. Doc Chat reads the subcontract, identifies the requirements, then checks the GL policy for CG 20 10, CG 20 37, PNC, waiver, and per-project aggregate endorsements. It confirms blanket AI applies “when required by written contract,” cites the exact language, and drafts an ACORD 25 description referencing the contract and forms. When the contract requests 30-day notice beyond what the policy provides, Doc Chat drafts a response and—if your playbook allows—generates a request for a notice endorsement, noting any state limitations.

Example 2: Commercial Auto Designated Insured

A GC requests AI status on the Auto policy for liability only. Doc Chat locates CA 20 48 – Designated Insured, confirms that the certificate holder is scheduled or that a blanket/shorthand applies per contract, and drafts the certificate accordingly. If waiver of subrogation is requested on Auto and not present, it prepares a pre‑formatted endorsement request for underwriting with the contract citation.

Example 3: Blanket AI Triggered by Written Contract

A blanket GL AI endorsement says coverage applies only “when required by written contract or agreement.” The counterparty asks for named AI on the certificate. Doc Chat flags the mismatch, prepares a compliant certificate referencing the blanket AI, and drafts a succinct explanation that the policy grants automatic AI status pursuant to the executed contract—attaching the relevant pages for verification. If your workflow permits, Doc Chat uploads the package to the portal and logs the action.

Quality and Consistency at Scale

Doc Chat standardizes your servicing output to your best-practice language, eliminating the stylistic variance that creeps in across teams and time. This improves portal pass rates and reduces follow-up cycles. Perhaps most important, it reduces the cognitive load on Policy Servicing Specialists so they can focus on client conversations and exception management rather than document spelunking.

Change Management: Keeping Humans in the Loop

We position Doc Chat like a highly capable junior team member. It drafts, cites sources, and proposes next steps. Humans stay in the loop to approve and finalize. That’s the model we recommend in Reimagining Claims Processing Through AI Transformation: automate the repetitive reading and drafting, but keep human judgment on the decision. The result is speed without sacrificing control.

Key Metrics to Track After Go-Live

To quantify impact and guide optimization, Policy Servicing Leaders typically track:

• Average COI turnaround time (request-to-send and approval SLAs)
• First-pass acceptance rate by portals/certificate holders
• Escalation rate to underwriting for endorsement changes
• Rework rate due to wording disputes or missing endorsements
• Hours per 100 COIs and backlog during peak periods

Across industries, customers report that automating structured document work produces rapid ROI, a pattern we outline in AI’s Untapped Goldmine: Automating Data Entry.

Implementation in 1–2 Weeks: A Typical Journey

Nomad’s white glove implementation is straightforward:

1. Discovery: We review 10–20 representative policies, endorsement catalogs, prior ACORD 25s, and your certificate language playbook.
2. Configuration: We encode your standards, escalation rules, and required citations. We load sample contracts and COI requests for testing.
3. Pilot: Users drag and drop real files, ask questions (e.g., “Which CG 20 10 edition is on this policy?”), and review drafted certificates with citations.
4. Go-Live: We enable inbox/portal monitoring, ACORD 25 drafting, internal approvals, and delivery aligned to your process.
5. Iterate: We refine templates and rules based on portal feedback and stakeholder preferences.

You can begin without integrations, then connect to agency/carrier systems for field prefill, document storage, and activity logging. Many teams choose this staged approach to realize value immediately while building long-term automation.

Frequently Asked Questions for Policy Servicing Specialists

Does Doc Chat actually issue the certificate?

Yes—according to your approval workflow. Doc Chat drafts the ACORD 25 and routes it for human sign‑off (or auto-approves within defined thresholds). It then sends via email or portal and files artifacts back to the account record.

How does Doc Chat avoid overpromising on COIs?

Doc Chat is trained on your certificate language and policy rules. It never inserts wording the policy does not support. When a certificate holder requests out-of-policy wording, Doc Chat proposes compliant alternatives and, if allowed, drafts an endorsement request to close the gap.

Which documents can it process?

All common artifacts in this workflow: Additional Insured Endorsements (CG 20 10, CG 20 37), Primary & Noncontributory, Waiver of Subrogation, Commercial Auto endorsements like CA 20 48, Certificate of Insurance Requests, ACORD 25, construction contracts, subcontracts, compliance checklists, and portal instructions.

What about security?

Nomad Data maintains SOC 2 Type 2 controls. Doc Chat provides page-level citations for every assertion, supporting audit, compliance, and E&O defense.

Searchers Ask: Can We Really “Automate COI Requests Processing Insurance” Workflows?

Yes. When people search for AI for additional insured certificate generation or how to automate COI requests processing insurance, they’re looking for more than OCR. They want a system that reads contracts, aligns them to policies, understands ISO endorsements and manuscript variants, and drafts defensible ACORD 25 language. That’s exactly what Doc Chat delivers—with your rules, in your voice, and within a 1–2 week implementation window.

Get Started

If your Policy Servicing Specialists spend too much time hunting for CG 20 10 and CG 20 37, rewriting ACORD 25 descriptions, and pushing documents through portals, it’s time to see Doc Chat in action. Visit Doc Chat for Insurance to learn more and schedule a demonstration.

With AI that reads, reasons, and cites its sources, you can issue accurate, compliant certificates at scale—freeing your team to focus on client service, exception handling, and strategic risk guidance.