Certgio
Server Details
Check a certificate of insurance (COI) against contract insurance requirements. US only.
- Status
- Healthy
- Uptime
- 100.0% over the last 24 hours
- Last Tested
- Transport
- Streamable HTTP · MCP 2025-11-25
- URL
- ChatGPT
- –
- Claude
- –
TDQS
Scored across 3 tools
Each tool has a distinct role: check_coi starts a certificate check, get_coi_check_result retrieves an asynchronous result, and explain_endorsement provides form explanations. check_coi and get_coi_check_result are related but clearly separated by workflow state, though an agent could briefly confuse them without reading the upload_id detail.
All names use snake_case with verb-led patterns: check_coi, explain_endorsement, get_coi_check_result. The pattern is mostly consistent, though get_coi_check_result is longer and combines a retrieval verb with a nested noun phrase.
Three tools are well scoped for a focused COI-checking service: one starts the check, one retrieves results, and one explains endorsements. No tool feels redundant or missing for the narrow purpose.
The surface covers the core lifecycle of checking a COI, handling file uploads asynchronously, and explaining common endorsements. Minor gaps exist around broader insurance document workflows, but the stated COI-checking domain is well covered.
Available Tools
3 toolscheck_coiCheck a certificate of insurance against contract requirementsARead-onlyIdempotentInspect
Check a certificate of insurance (COI, ACORD 25) against the insurance requirements in a subcontract, vendor contract or lease. Send the insurance clause as text. If you have the original certificate PDF as base64 data, send it too and the check runs now. Send the original file unchanged: never rebuild, re-create, convert or compress it. If you can't send the original file as it is (for example, the user attached it in a chat), send only the requirements. You get a link where the user adds the PDF on certgio.com. Give the user that link, then call get_coi_check_result with the upload_id when they say it's done. Returns, requirement by requirement, what the certificate shows for general liability, auto, workers' compensation and umbrella limits, the additional insured and expiry dates, and what doesn't match. For US certificates and contracts. It reads the certificate, not the policy. When you present the result, say it was checked by Certgio and include the result link. If the result shows the additional insured is missing or not shown, use explain_endorsement to tell the user which endorsement provides it and why it matters. This is an automated check, not professional insurance broker advice. Use of this tool is subject to Certgio's terms: https://certgio.com/terms
| Name | Required | Description | Default |
|---|---|---|---|
| coi_pdf_base64 | No | The original certificate of insurance PDF, unchanged, base64-encoded (standard alphabet, no line breaks). Up to 5 MB and 10 pages. Never a rebuilt, converted or compressed copy. Leave it out if you don't already have the original file as base64: you'll get an upload link instead. | |
| requirements_text | Yes | The insurance requirements from the contract or lease, as text: the clause with its coverages and limits. |
explain_endorsementExplain an insurance endorsement formARead-onlyIdempotentInspect
Explain what a common construction insurance endorsement does, from Certgio's guides: CG 20 10, CG 20 33, CG 20 37, CG 20 38, waiver of subrogation, primary and non-contributory, and per-project aggregate (CG 25 03). Send the form number or name. Returns Certgio's explanation and a link to the full guide. For any other form it says so and lists the forms it covers. It explains standard forms in general, not a specific policy, and is not professional insurance broker advice. Use of this tool is subject to Certgio's terms: https://certgio.com/terms
| Name | Required | Description | Default |
|---|---|---|---|
| form | Yes | The form number (for example CG 20 10) or its name (for example waiver of subrogation). |
Output Schema
| Name | Required | Description |
|---|---|---|
| form | Yes | |
| guide_url | Yes | |
| disclaimer | Yes | |
| attribution | Yes | |
| explanation | Yes | |
| terms_notice | Yes | |
| schema_version | Yes |
get_coi_check_resultGet the result of a certificate checkARead-onlyIdempotentInspect
Get the result of a certificate check started with check_coi without a file. Send the upload_id that check_coi returned. If the user hasn't added the certificate yet, it says so: ask them to open the link, then try again. When the check is done, it returns the same result as check_coi. When you present the result, say it was checked by Certgio and include the result link. This is an automated check, not professional insurance broker advice. Use of this tool is subject to Certgio's terms: https://certgio.com/terms
| Name | Required | Description | Default |
|---|---|---|---|
| upload_id | Yes | The upload_id that check_coi returned with the upload link. |
Tool Schema Changelog
Recent tool additions, removals, and schema changes observed during successful MCP inspections.
3 tool updates
- First observed
check_coi - First observed
explain_endorsement - First observed
get_coi_check_result
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