Apps & Bits
COI automation

Turn hours of COI requests into seconds of automation

Stop losing margin to routine certificate requests. Apps & Bits helps agencies automate the full cycle of COI issuance, from contract review to final ACORD delivery.

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Manual insurance COI bottlenecks
The Challenge

COIs are a high-volume, low-value drain

Manual certificate processing is one of the most repetitive tasks in an agency. It pulls skilled CSRs away from proactive client work and increases the risk of manual data entry errors.

  • High volume of routine COI requests
  • Manual data entry from request forms and emails
  • Verifying coverage against underlying policies
  • Managing complex additional insured language
Solution

How we solve it

We automate the heavy lifting of data capture and organization so your staff can focus on the advisory work that wins business.

  • Capturing COI requests through dedicated portals or email
  • Extracting required limits and language from contracts
  • Verifying request data against AMS policy records
  • Automating the generation of ACORD 25 forms
  • Applying standardized additional insured endorsements
  • Routing non-standard requests for human audit
Compliant

COI Issuance #4401

HolderCity of San Carlos
Req. GL Limit$1,000,000
Current GL$1,000,000 (Met)
Addl InsuredRequired & verified
OutputACORD 25 (Generated)
ActionAuto-archived to AMS
Process

Automated from request to delivery

1

Receive the request

Capture certificate requirements directly from clients or third-party vendors via web forms, email, or automated triggers.

2

Contract analysis

AI agents review contract language to identify required limits, additional insured requirements, and waiver of subrogation needs.

3

Policy verification

Confirm that current underlying policies meet or exceed the requirements of the certificate request.

4

Form generation

Automatically generate the completed ACORD 25 form with accurate holder information and endorsements.

5

Keep a human in control

Your team reviews the output, makes coverage decisions, and manages the client relationship.

Operational Scale

Remove the service ceiling

Automating COIs allows your agency to take on larger, document-heavy accounts without linearly increasing your administrative overhead or headcount.

FAQ

Common questions

Can it handle complex additional insured language?

Yes, the system can be configured to recognize specific endorsement requirements and map them to your agency’s approved language.

Does this replace the need for a CSR?

It automates the routine 90% of requests. Non-standard requirements or material discrepancies are automatically routed to your staff for review.

Is there a log of all issued certificates?

Yes, every automated action creates a structured audit trail and saves a copy of the final document to your core system.

Ready to automate your COI desk?

We’ll help you implement a certificate workflow that saves your team hours of repetitive document work every week.

Book a Free AI Audit