CertifiKit COI tools
Server Details
Certificate of insurance tools: build subcontractor insurance requirements, check an ACORD 25.
- Status
- Healthy
- Uptime
- 100.0% over the last 24 hours
- Last Tested
- Transport
- Streamable HTTP · MCP 2025-11-25
- URL
- ChatGPT
- –
- Claude
- CertifiKit COI Tools
TDQS
Scored across 4 tools
Each tool targets a distinct action: building requirements, checking a certificate, searching guides, and listing presets. build_insurance_requirements and list_requirement_presets both concern requirements but are clearly separated as custom-generation vs. ready-made lookup.
All four tools follow a consistent verb_noun snake_case pattern (build_, check_, find_, list_). The noun portions vary naturally by domain (insurance_requirements, certificate, coi_guides, requirement_presets) without breaking the pattern.
Four tools is slightly lean but each earns its place by covering a step in the COI workflow. It is a focused, well-scoped set rather than an artificially thin one.
The core lifecycle is covered: generate requirements, list presets, check a certificate, and find explanatory guides. Minor gaps exist around persistence/tracking of certificates over time (referenced in the guides) but core agent workflows are workable.
Available Tools
4 toolsbuild_insurance_requirementsBuild contract insurance requirementsARead-onlyIdempotentInspect
Recommends the insurance a general contractor should require of a subcontractor, or a property manager or HOA of a vendor: general liability, auto, umbrella and workers' comp limits, additional insured, waiver of subrogation and primary/non-contributory wording, scaled to the trade's risk and the contract size. Returns the reasoning for each limit, contract-ready exhibit text, and a requirements object that check_certificate accepts.
| Name | Required | Description | Default |
|---|---|---|---|
| trade | Yes | The vendor's trade, and the contexts it is offered in: "general" = General / multi-trade (gc); "carpentry" = Carpentry / framing (gc); "concrete" = Concrete / masonry (gc); "drywall" = Drywall / plaster (gc); "painting" = Painting / finishes (gc/property); "electrical" = Electrical (gc/property); "mechanical" = Plumbing / HVAC (gc/property); "glazing" = Glazing / curtain wall (gc); "roofing" = Roofing (gc/property); "demolition" = Demolition (gc); "steel" = Structural steel / crane work (gc); "excavation" = Excavation / earthwork (gc); "scaffolding" = Scaffolding / shoring (gc); "abatement" = Asbestos / lead abatement (gc); "designbuild" = Design-build / engineering (gc); "landscaping" = Landscaping / grounds (property/gc); "janitorial" = Janitorial / cleaning (property); "pool" = Pool maintenance (property); "pest" = Pest control (property); "snow" = Snow & ice removal (property); "tree" = Tree removal / arborist (property); "elevator" = Elevator maintenance (property); "security" = Security services (property); "pm" = Property management services (property). | |
| context | Yes | "gc" = a contractor hiring a subcontractor; "property" = a property manager or HOA hiring a service vendor. | |
| overrides | No | Optional dollar limits that replace the recommended ones, for lines that are already required. | |
| contractSize | Yes | Contract value band. For "gc": under-50k, 50k-250k, 250k-1m, over-1m. For "property": under-10k, 10k-50k, 50k-250k, over-250k. A band from the other context is mapped to the smallest valid one. | |
| hasEmployees | No | false for a sole proprietor with no employees: workers' comp is replaced by a signed exemption declaration. | |
| usesVehicles | No | Drives to or around the site. false drops commercial auto. | |
| cancellationNoticeDays | No | Days of written notice before cancellation. 0 = as the policy provides. |
check_certificateCheck a certificate of insuranceARead-onlyIdempotentInspect
Checks a certificate of insurance (ACORD 25) against insurance requirements with CertifiKit's deterministic rules engine: coverage present, limits at or above the minimums, policies not expired or expiring too soon, and the required endorsements. Read the certificate yourself and pass what it shows; the verdict (pass, fail or needs_review) and a plain-English reason per requirement come from fixed rules, not a model. Anything unreported, unreadable or below 0.7 confidence is routed to needs_review, never silently passed. Use preset or the requirements object from build_insurance_requirements.
| Name | Required | Description | Default |
|---|---|---|---|
| asOf | No | Date to check expiry against, yyyy-mm-dd. Defaults to today. | |
| preset | No | "standard-subcontractor" = Typical GC requirements for a trade sub: GL $1M/$2M, auto $1M, workers' comp $1M, additional insured + waiver of subrogation. "property-vendor" = Common requirements for service vendors at managed properties: GL $1M/$2M, workers' comp $500K, additional insured. | |
| certificate | Yes | What the certificate shows. Report only what is printed; do not infer. Leave out rows the certificate does not have. | |
| requirements | No | Custom requirements, e.g. the requirements object returned by build_insurance_requirements. Takes precedence over preset. |
find_coi_guidesFind certificate of insurance guidesARead-onlyIdempotentInspect
Searches CertifiKit's plain-English guides on certificates of insurance: reading an ACORD 25, additional insured endorsements (CG 20 10), waiver of subrogation, subcontractor and HOA vendor insurance requirements, COI tracking. Returns titles, summaries and links to cite. Leave query empty to list the newest.
| Name | Required | Description | Default |
|---|---|---|---|
| limit | No | ||
| query | No | Topic or question. |
list_requirement_presetsList requirement presetsARead-onlyIdempotentInspect
The ready-made insurance requirement sets check_certificate accepts as preset: a standard construction subcontractor and a property / HOA vendor, with every limit and endorsement spelled out.
| Name | Required | Description | Default |
|---|---|---|---|
No parameters | |||
Tool Schema Changelog
Recent tool additions, removals, and schema changes observed during successful MCP inspections.
4 tool updates
- First observed
build_insurance_requirements - First observed
check_certificate - First observed
find_coi_guides - First observed
list_requirement_presets
Related MCP Connectors
Check a certificate of insurance (COI) against contract insurance requirements. US only.
31Subcontractor COI & paperwork tracking for general contractors — read-only demo tools.
Checks certificates of insurance (ACORD 25) against your requirements. Pay per call, x402 USDC.
Construction management for subcontractors: bids, projects, pay apps, change orders and CRM.
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