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CertifiKit COI tools

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Certificate of insurance tools: build subcontractor insurance requirements, check an ACORD 25.

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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

A4.1/5.0

Scored across 4 tools

Disambiguation5/5

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.

Naming Consistency5/5

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.

Tool Count4/5

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.

Completeness4/5

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 tools
build_insurance_requirementsBuild contract insurance requirementsA
Read-onlyIdempotent
Inspect

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.

NameRequiredDescriptionDefault
tradeYesThe 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).
contextYes"gc" = a contractor hiring a subcontractor; "property" = a property manager or HOA hiring a service vendor.
overridesNoOptional dollar limits that replace the recommended ones, for lines that are already required.
contractSizeYesContract 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.
hasEmployeesNofalse for a sole proprietor with no employees: workers' comp is replaced by a signed exemption declaration.
usesVehiclesNoDrives to or around the site. false drops commercial auto.
cancellationNoticeDaysNoDays of written notice before cancellation. 0 = as the policy provides.
check_certificateCheck a certificate of insuranceA
Read-onlyIdempotent
Inspect

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.

NameRequiredDescriptionDefault
asOfNoDate to check expiry against, yyyy-mm-dd. Defaults to today.
presetNo"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.
certificateYesWhat the certificate shows. Report only what is printed; do not infer. Leave out rows the certificate does not have.
requirementsNoCustom requirements, e.g. the requirements object returned by build_insurance_requirements. Takes precedence over preset.
find_coi_guidesFind certificate of insurance guidesA
Read-onlyIdempotent
Inspect

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.

NameRequiredDescriptionDefault
limitNo
queryNoTopic or question.
list_requirement_presetsList requirement presetsA
Read-onlyIdempotent
Inspect

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.

NameRequiredDescriptionDefault

No parameters

Tool Schema Changelog

Recent tool additions, removals, and schema changes observed during successful MCP inspections.

  1. 4 tool updates
    • First observedbuild_insurance_requirements
    • First observedcheck_certificate
    • First observedfind_coi_guides
    • First observedlist_requirement_presets

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