Free COI checker

Try one of our example certificates, or upload one of your own. We read it, compare it with standard contractor requirements and list anything that's missing, too low or expired. Anything we can't read clearly is marked for you to check. This shows what the certificate says; it is not insurance advice.

Try an example certificate

Made-up certificates with common problems. Nothing to upload.

Open the certificate

Check your own certificate

One certificate on the standard ACORD 25 form, as a PDF up to 10 MB. We don't keep your file.

Count the umbrella policy toward the required limitsOff by default. Turn it on if your contracts let a vendor's umbrella policy make up for low general liability, auto or employers liability limits.

What the free COI checker does

This free certificate of insurance checker looks at one certificate at a time. Upload a vendor's ACORD 25 as a PDF, or try one of our example certificates, and you see what the certificate shows and what falls short of a standard set of contractor requirements:

Policies that have expired, or that end within 30 days, checked row by row.
General liability below $1 million each occurrence or $2 million aggregate.
Auto liability below a $1 million combined single limit, an umbrella below $2 million, and employer's liability below $1 million.
Workers' comp not marked per statute.
Additional insured not marked on general liability or auto, and waiver of subrogation not marked on general liability or workers' comp.
Any coverage that is missing altogether.

Anything the checker can't read clearly is marked for you to look at, instead of guessed. Those limits are a common starting point, not a rule. Your contracts decide what you need, and our guide to subcontractor insurance requirements explains how contractors set them.

One certificate here, every vendor in a free scan

Use the checker for a quick look at a single certificate, such as one a vendor emailed you this morning. To find out where all your vendors stand, use the free scan instead: upload your whole COI folder and get back a report with one line per vendor.

What happens to your file

A certificate you upload here is checked on our server to produce the result and is not stored by Okay to Work. It is not sent to an AI service: only our own example certificates are ever read with AI. The checker reports what the certificate says. It is not insurance advice.

What a certificate can't prove

A certificate summarises a vendor's policies on the day it was issued. A "Y" in the additional insured column is the agent's statement; the endorsement page from the policy is the proof. Our guide on how to check a certificate of insurance in 5 minutes covers what to look at and when to call the agent.