A contract usually specifies what insurance a vendor or contractor must carry. A certificate of insurance is the document that is supposed to prove they carry it, but those requirements get lost in translation. Requirements come in unclear, contractors submit the wrong certificates, and reviews stall. Payment is blocked until it is right, and the vendor does not get admitted to the event.
This pattern repeated across multiple commercial insurance agencies: requirements arrive unclear, agents struggle to interpret them, contractors guess at what is needed, certificates come back incomplete, and the rejection loop starts over.
A system that reads the requirements from a contract or policy, compares them against the certificate a vendor submitted, and flags where they do not match, with a confidence score on each gap. It drafts the follow-up language an agent can send, asking for the specific fix needed, not just “resubmit.” AI can help organize the evidence and improve information flow, but it does not accept the certificate or replace insurance judgment. The reviewer verifies the evidence, resolves exceptions, and makes the final decision.