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

Every Policy Servicing Specialist knows the crunch: dozens or even hundreds of certificate requests land daily, each with unique contract language and strict timelines. Additional insured endorsements, waiver of subrogation requirements, primary and noncontributory wording, per-project aggregates—each detail must be verified against the policy before a single ACORD 25 is issued. One error can cascade into audit findings, compliance escalations, or even downstream coverage disputes. The challenge is not just volume—it’s the nuanced, variable nature of endorsements and requests across General Liability & Construction and Commercial Auto.

Nomad Data’s Doc Chat eliminates the bottleneck. Doc Chat is a suite of insurance‑trained, AI‑powered agents that ingest entire policy files, endorsements (including CG 20 10 and CG 20 37), ACORD 25 requests, contract exhibits, and correspondence, then delivers instant, source‑cited answers and certificate‑ready outputs. Instead of manually combing through policy jackets and additional insured endorsements, a Policy Servicing Specialist can ask, “Does the policy grant additional insured status to ABC Owner for ongoing and completed ops? Is primary and noncontributory satisfied? Populate the ACORD 25 accordingly.” Seconds later, Doc Chat returns the answer, the exact form references, and a prefilled certificate draft to review. This is Doc Chat for Insurance in action: faster cycle times, fewer touchpoints, and higher confidence in every certificate.

Why Additional Insured Certificate Work Is So Hard in GL & Construction and Commercial Auto

In General Liability & Construction, additional insured (AI) requirements are baked into upstream contracts from owners, municipalities, and general contractors. The requests vary by jobsite, phase, and party. One holder wants blanket AI triggered by written contract; another insists on scheduled entities. Many require both ongoing and completed operations—often by citing CG 20 10 and CG 20 37. Some contracts demand primary and noncontributory other insurance conditions and a waiver of subrogation (commonly fulfilled by endorsements such as CG 20 01 for primary and noncontributory and CG 24 04 for waiver of transfer of rights, where applicable). Per-project or per-location aggregate endorsements (e.g., CG 25 03/CG 25 04) can be mandatory. Those demands surface in the contract, but the proof must appear on the certificate, typically ACORD 25, with the correct checkboxes, description wording, and references.

Commercial Auto adds more complexity. Certificate holders frequently require proof that their interest is protected for auto liability exposures at jobsites, on public roads, and during hauling. While the ACORD 25 Certificate of Liability Insurance is used to evidence both GL and Auto Liability, the underlying auto endorsements and schedules must be cross-checked to ensure alignment with the request (for example, confirming symbol coverage, checking if a waiver of subrogation is granted via a relevant auto endorsement, and validating that any contractually required insured status is supported). The Policy Servicing Specialist straddles these lines of business every day, translating dense policy language into a clean, compliant certificate. The risk of omission is real: missing “completed ops” or forgetting to verify “primary & noncontributory” can spark disputes after a claim.

How the Manual Process Works Today—and Where It Breaks

Today’s manual process forces Policy Servicing Specialists to pull policy PDFs, scan declarations pages and schedules, jump to additional insured endorsements like CG 20 10 (Owners, Lessees or Contractors—Scheduled or Blanket) and CG 20 37 (Completed Operations), and compare everything against contract exhibits and emails from brokers or insureds. They check whether AI status is blanket “when required by written contract” or strictly scheduled; whether the endorsement applies to ongoing and/or completed operations; whether primary and noncontributory is present; and whether waiver of subrogation is granted. They verify limits, effective dates, per‑project or per‑location aggregates, and any territory restrictions. Then they open an ACORD 25, ensure the correct policy numbers, insurers, and effective dates appear, set the Additional Insured and Waiver of Subrogation checkboxes if justified, and compose the correct Description of Operations wording to reflect endorsement nuances without overcommitting coverage. At scale—especially in construction where subcontractor networks and project counts run high—this is grueling.

On the Commercial Auto side, specialists must confirm symbols, limits, and any contractually required conditions. They reconcile differences between what the holder requests and what the policy actually grants, frequently emailing back to stakeholders to clarify gaps. Every step demands concentration and cross-referencing. When endorsements change mid-term, or renewed policies roll over with new forms and numbers, the team repeats the entire process. During peak seasons, backlogs balloon. Errors happen under time pressure—missing a completed-operations requirement, failing to cite the correct additional insured endorsement, or leaving a waiver checkbox unticked when the endorsement exists. Each error increases E&O exposure and can tarnish the insured’s standing with their upstream partner.

AI for Additional Insured Certificate Generation: A Modern Answer to a Classic Pain

If you have searched for “AI for additional insured certificate generation” or asked peers how to “automate COI requests processing insurance,” you already sense the potential. Beyond traditional OCR or template matching, the problem requires inference: understanding how a contract’s obligations map to a policy’s endorsements and conditions, then carrying that logic all the way through to a defensible ACORD 25. This is precisely the domain where Nomad Data’s approach excels, as outlined in our perspective on document intelligence: Beyond Extraction: Why Document Scraping Isn’t Just Web Scraping for PDFs. Certificate work rarely lives in one field or page; it’s a mosaic that spans policy jackets, schedules, and multiple endorsements.

Doc Chat reads like your most seasoned Policy Servicing Specialist—at machine speed. It identifies endorsement triggers (“when required by written contract”), distinguishes between ongoing and completed operations (CG 20 10 vs. CG 20 37), checks for primary and noncontributory language and waivers of subrogation, and tracks per‑project or per‑location aggregates that may need to be referenced in the certificate. On the Commercial Auto side, it flags coverage symbols, validates limits and effective dates, and pinpoints any endorsements that satisfy the holder’s conditions. Then it generates a certificate‑ready output that preserves your agency, carrier, or TPA formatting standards, all with page‑level citations back to the policy file so you can confirm the logic instantly.

How Certificate Work Is Transformed with Doc Chat

With Doc Chat, a Policy Servicing Specialist starts with a simple question in natural language: “For holder ABC Development, do we have blanket additional insured status for ongoing and completed ops? Is primary & noncontributory granted? Provide exact endorsement references and populate a draft ACORD 25.” Doc Chat ingests the policy jacket, schedules, applicable additional insured endorsements (including CG 20 10 and CG 20 37), and the COI request. It then returns an answer that lists the exact form numbers and pages, explains the coverage conditions, and pre-populates a certificate-ready data package.

This approach is proven across massive document sets. In claims, our clients already use Doc Chat to surface facts and citations within thousands of pages in seconds—see how Great American Insurance Group accelerated complex document review in our webinar case study. We bring the same accuracy, speed, and transparent audit trail to policy servicing and certificate workflows. The result: the system reads every page with equal attention, never tires, and never forgets to check an endorsement that might be buried in an appendix or mid‑term change request.

What Doc Chat Extracts and Produces for ACORD 25 (and Similar COI Flows)

Doc Chat ingests complete policy files, endorsements, and COI requests to assemble exactly what a Policy Servicing Specialist needs. It then outputs a certificate-ready package for the ACORD 25 Certificate of Liability Insurance, tailored to your wording conventions and approval workflow.

When you need to automate COI requests processing in insurance, the quality of extraction and reasoning matters as much as speed. Here’s how Doc Chat operationalizes the work while keeping a human in the loop for final sign-off:

Doc Chat identifies and validates:

• Additional insured status and trigger language from GL endorsements (e.g., CG 20 10 for ongoing operations; CG 20 37 for completed operations) and confirms whether it’s blanket or scheduled.
• Primary and noncontributory language and applicable waiver of subrogation endorsements on GL, and the presence of required conditions for Commercial Auto where relevant.
• Aggregate endorsements such as per‑project or per‑location, with edition dates and form references.
• Limits, effective and expiration dates, policy numbers, and insurer identifiers that must appear on ACORD 25.
• Certificate holder name and address, plus any jobsite or contract identifiers that belong in Description of Operations.
• Contractual requirements that exceed current coverage so you can escalate for amendments or endorsements before issuing a COI.

Doc Chat generates and assists with:

• A certificate-ready data package to populate ACORD 25 fields (policy details, limits, dates).
• Checkbox decisions for “Additional Insured” and “Waiver of Subrogation,” mapped to actual endorsements.
• Precise Description of Operations wording aligned to your standards—clear but not over‑promising—and including references to CG 20 10/CG 20 37 as internal logic where appropriate.
• Page‑level citations back to source forms so the specialist or manager can verify quickly during QA or audits.
• Exception reports that call out gaps against the contract (e.g., holder requested completed ops; policy lacks CG 20 37), enabling proactive gap remediation.

The Nuances a Policy Servicing Specialist Faces—Captured and Scaled

In General Liability & Construction, timing and specificity matter. If the additional insured endorsement requires a written contract executed prior to commencement of work, Doc Chat flags whether the execution date in the contract meets that condition. If the holder’s request mentions “Ongoing and Completed Operations” in the Description of Operations, Doc Chat checks both CG 20 10 and CG 20 37. If a project requires per-project aggregates, Doc Chat confirms the presence of a per-project endorsement before it suggests including any reference in the certificate narrative. In Commercial Auto, if the certificate holder requires evidence of waiver of subrogation, Doc Chat investigates whether an applicable endorsement is present for auto liability and only proposes the waiver checkbox if it is truly supported.

Critically, Doc Chat captures intent and context—just like an experienced Policy Servicing Specialist—by triangulating across contract exhibits, policy endorsements, and the COI request. It recognizes that the ACORD 25 is evidence of insurance, not a contract that confers rights, and it helps standardize Description of Operations language to avoid inadvertently expanding obligations. The agent also tracks edition dates and form names because many holders and auditors insist on this level of precision during reviews.

Manual to Automated: What Changes in Day-to-Day Operations

Before Doc Chat, your team likely triaged COI emails, scanned attachments, hunted for endorsements, and either copy‑pasted or manually typed details into ACORD 25. Now, you drag-and-drop the policy and the request into Doc Chat, ask targeted questions, and get a certificate‑ready package complete with citations. For recurring holders—think an owner or GC requesting hundreds of certificates a year—Doc Chat can apply your standard Description of Operations template, insert jobsite‑specific details, and keep the wording within your approved guardrails.

For Commercial Auto, instead of checking auto symbols and endorsements by hand for every request, you can ask Doc Chat whether the holder’s requirements are met, see the answer supported by the exact policy pages, and issue confidently. When anything is missing—say the holder requires blanket blanket AI for auto where the policy doesn’t confer it—Doc Chat flags the gap so you can recommend endorsement changes or adjust expectations before a problem arises.

Business Impact: Time, Cost, Accuracy, and Compliance

General Liability & Construction projects often generate an avalanche of certificate work, and Commercial Auto evidences must keep pace. By moving from manual reading and re-keying to automated ingestion and reasoning, Policy Servicing Specialists reclaim hours per day. In our broader work with carriers and TPAs, we routinely see document review cycles shrink from days to minutes, with higher uniformity and auditability. As highlighted in Nomad’s perspective on operational ROI, “data entry” at scale is the hidden goldmine that AI unlocks—see AI’s Untapped Goldmine: Automating Data Entry. When certificate issuance is reframed as intelligent document processing, the time and cost savings compound quickly.

Accuracy improves too. People tire, especially in surges. AI reads page 1 and page 1,000 with the same rigor, a phenomenon we’ve documented across complex claim reviews and medical file summarizations—explored in The End of Medical File Review Bottlenecks. That consistency yields fewer missed endorsements, fewer incorrect checkboxes, and cleaner audits. Page‑level citations help your QA team validate in seconds, not hours, further cutting cycle times and re-work.

Compliance and defensibility rise in tandem. Every certificate decision can be traced back to a form and page. When auditors or certificate holders challenge the basis for a checkbox or a statement in Description of Operations, you can click through to the source immediately. This reduces E&O risk and standardizes how Policy Servicing Specialists handle nuanced requirements across lines of business.

How Doc Chat Automates the End-to-End COI Process

Doc Chat is more than a summarizer. It encodes your playbooks—your agency’s or carrier’s exact standards for certificate language, approval hierarchies, and escalation triggers—so the output matches how your Policy Servicing Specialists work today. It integrates the following steps into a single, controllable flow that scales instantly when certificate volumes spike.

From intake to issuance:

1) Intake and classification: Doc Chat captures the request, identifies the holder, and recognizes whether the request pertains to General Liability & Construction, Commercial Auto, or both.

2) Endorsement mapping: It locates relevant AI endorsements (CG 20 10, CG 20 37), waiver provisions, primary and noncontributory language, aggregates, and effective dates.

3) Contract alignment: It compares the holder’s contract requirements with policy provisions, highlighting matches and mismatches.

4) Certificate population: It produces the structured data and suggested wording to populate ACORD 25, including checkbox logic, policy numbers, insurers, and standardized Description of Operations text.

5) Exceptions and escalation: It flags any gaps for underwriting or endorsement change requests, providing a concise rationale with citations.

6) Audit trail: It saves every answer with page links, delivering a defensible, repeatable process that stands up to internal reviews and external audits.

Why Nomad Data’s Doc Chat Is the Best Choice for Policy Servicing Teams

Doc Chat was designed from the ground up for insurance. Our agents don’t just read; they reason with your rules. We train the system on your certificate playbooks, preferred Description of Operations language, and approval workflows so outputs are tailored to your brand and risk posture. Implementations are fast—often 1–2 weeks from kickoff to production—because we bring a white‑glove process that aligns stakeholders early and avoids drawn‑out DIY experimentation. You gain an expert partner, not just software.

Nomad’s differentiators speak directly to the certificate challenge:

• Volume: Doc Chat ingests entire policy files and surges in request inflow without adding headcount, turning backlogs into same‑day turnaround.
• Complexity: Endorsement nuances hide in dense, inconsistent policies. Doc Chat surfaces them with citations so nothing is missed.
• The Nomad Process: Your standards become the system’s standards—clean, consistent outputs that mirror how your best Policy Servicing Specialists work.
• Real‑time Q&A: Ask pointed questions like “Do we have completed ops AI for this holder?” and get instant answers with source pages.
• Thorough & complete: No more blind spots. If a requirement isn’t met, Doc Chat flags it before you issue the COI.

Security and defensibility matter, too. Nomad Data maintains modern security practices and delivers page‑level explainability that resonates with compliance, legal, and audit teams, as echoed in our Great American Insurance Group case study. With Doc Chat, your Policy Servicing Specialists stay at the center—augmented by AI that does the heavy lifting so they can focus on judgment and client service.

Where AI Delivers Value: From Backlog Relief to Better Client Experience

For certificate-heavy sectors like construction, the shift from manual to AI‑assisted work is immediate. The same Policy Servicing Specialist can handle far more requests with tighter SLAs, fewer re-checks, and stronger documentation. Clients notice when COIs arrive faster and with cleaner language. Internal partners notice when escalations are clearer and better justified. Leaders notice when loss‑adjustment expenses fall and audit findings disappear. And teams notice when their day jobs involve less hunting and re-keying and more client problem‑solving.

The experience across other insurance functions mirrors this. We have seen complex claim file reviews shrink from days to minutes while improving accuracy—see our broader view in Reimagining Claims Processing Through AI Transformation. The pattern holds for certificate work: AI doesn’t replace human judgment; it removes the drudge work that prevents humans from using that judgment where it matters most.

“Automate COI Requests Processing Insurance”: What a Future-Ready Workflow Looks Like

When organizations search to “automate COI requests processing insurance,” they’re usually imagining a better data‑entry tool. The real leap, however, comes from codifying the unwritten rules that senior Policy Servicing Specialists apply every day: how to translate a vague contract clause into a precise endorsement requirement; how to avoid over‑promising in Description of Operations while still satisfying the holder; how to cite page and form references in a way that short‑circuits disputes. Doc Chat captures these best practices and standardizes them so your newest team member can issue with the confidence of a veteran—within your guardrails and with complete transparency.

That standardization reduces training time, eliminates desk‑to‑desk variability, and ensures certificates align with your agency or carrier’s risk posture. It also makes audits painless—answers aren’t just faster; they’re evidenced.

Implementation: Fast, White‑Glove, and Built Around Your Playbook

Nomad’s white‑glove approach means you’re not alone in translating process into AI. We interview your Policy Servicing Specialists, capture your certificate language library, and configure Doc Chat to match your approval pathways. Because the platform is API‑friendly, it can fit into your existing stack without disruption. Many teams start with a drag‑and‑drop workflow and later connect Doc Chat to their document repositories or request queues to automate intake.

Typical timelines are measured in days, not quarters. Pilots can be live within a week, and broader rollouts usually follow in the second week. That speed lets you demonstrate value quickly, build internal momentum, and expand into adjacent use cases—such as policy audits for unwanted exposures or automated renewal preparedness—once the certificate backlog is under control.

Guardrails, Governance, and Trust

Doc Chat’s outputs are explainable. Every recommendation is accompanied by a citation back to the precise page in the policy file or endorsement where the logic originates. This is critical when a certificate holder or auditor challenges language, a checkbox decision, or the presence of completed‑operations AI. It also supports regulator and reinsurer reviews, providing the defensible trail that modern insurance operations require. In short: the AI proposes; your Policy Servicing Specialist disposes—with confidence grounded in evidence.

From Certificates to Strategic Advantage

When you reduce certificate cycle times from hours to minutes, the benefits ripple. Sales gets to “yes” faster on new jobs that hinge on proof of insurance. Compliance teams see fewer exceptions and clearer escalations. Risk managers get early warnings when contract requirements outstrip coverage, allowing for proactive endorsement strategies instead of last‑minute scrambles. And your Policy Servicing Specialists spend more of their time managing relationships and less of their time managing PDFs.

For organizations handling thousands of ACORD 25s a year across General Liability & Construction and Commercial Auto, the math is simple. Freeing even 15–30 minutes per certificate request translates to weeks of capacity every month. Real‑world AI deployments have shown outsized ROI precisely because they target these high‑volume, inference‑heavy processes—see our analysis in AI’s Untapped Goldmine. Certificates are not just administrative tasks; they’re gateways to revenue and risk control. Treating them as such pays immediate dividends.

Examples: What Your Specialists Can Ask Doc Chat

Because Doc Chat supports real‑time Q&A across whole document sets, your team can ask targeted, certificate‑specific questions and get immediate, cited answers:

• “Does the GL policy confer blanket additional insured status when required by written contract? Cite the form and edition.”
• “For project 12345, does the insured have completed operations AI for the owner? Confirm the presence of CG 20 37 and edition date.”
• “Is primary & noncontributory satisfied? Which endorsement addresses it?”
• “Does the policy provide per‑project aggregate? Provide form reference.”
• “The holder requests a waiver of subrogation for GL and Auto—do we have the endorsements to support both?”
• “Populate ACORD 25 for ABC Development with required Description of Operations. Use our standard wording for completed ops and waiver.”

Each answer is accompanied by links back to the policy page or endorsement where the language lives. Specialists can issue faster and sleep easier.

What to Expect on Day One

Getting started is simple. Upload a policy file and a handful of recent COI requests. Ask Doc Chat to validate AI status, verify waiver and primary & noncontributory, and propose ACORD 25 language. Within minutes, you’ll see how much manual reading disappears—and how quickly the system adapts to your playbook. As you scale, connect Doc Chat to your intake queue. Watch backlog shrink and SLA performance stabilize, even during peak construction season.

The Bottom Line for Policy Servicing Specialists

AI for additional insured certificate generation is not hypothetical. It’s here, and it’s built for the realities of General Liability & Construction and Commercial Auto. Nomad Data’s Doc Chat lets Policy Servicing Specialists move from manual, error‑prone reading to consistent, evidence‑backed issuance. It aligns contracts and endorsements, fills ACORD 25 accurately, and flags exceptions before they become problems—all with white‑glove support and a 1–2 week implementation timeline.

If you’re ready to automate COI requests processing in insurance—without sacrificing precision, defensibility, or control—see how Doc Chat accelerates your entire certificate workflow. Learn more about Doc Chat for Insurance, and explore the depth behind our approach to document intelligence in Beyond Extraction and our GAIG webinar. Your certificates—and your specialists—deserve a modern, AI‑powered workflow.