COI Guardian + Pay-Gate
Client
Natural Essence
Industry
Custom Builder
Year
2025
Duration
3 Weeks
(01)
Project overview.
An agent that OCRs ACORD 25, validates limits/dates/endorsements (e.g., CG 20 10 / CG 20 37 or local equivalents), emails brokers for renewals, and automatically holds payments until compliant. Every certificate ties to the vendor and lot/phase; overrides require a reason and are fully logged.
(02)
Challenge.
Expired or insufficient insurance slipped through during busy periods, exposing projects to silent risk and manual chase work for the office team.
(03)
Result.
• Coverage compliance before site work: 100% (from ~72%)
• Broker chase workload: down ~60%
• Accidental releases on expired/non-compliant coverage: zero
(04 Projects)
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