Requirement matrix
Your specific additional-insured, waiver-of-subrogation, primary & non-contributory, and minimum-limit requirements — extracted from each contract and codified into a rule tree.
The most rigorous vendor insurance verification a risk manager can buy.
Vendor Insurance Coverage Verification Engine delivers a done-for-you compliance outcome — every active vendor verified at the endorsement level against your contractual insurance requirements, deficient vendors chased to cure, and an audit-ready binder maintained — with a licensed risk professional signing every coverage-gap determination.
Endorsement-level verification, not just certificateAI reads endorsements, exclusions, and policy formsLicensed risk professional signs every gap determinationDeficient vendors chased to cure on your behalf5-business-day SLA per vendor
Why compliance fails
A certificate of insurance proves nothing. The real risk transfer lives deeper.
Every organization that lets a vendor onto its property, jobsite, or balance sheet requires insurance and additional-insured status. The instrument collected is the ACORD certificate of insurance — but the certificate itself grants no coverage and proves almost nothing. It expressly states it is issued as information only and confers no rights.
The real risk transfer lives in documents the certificate merely gestures at: the additional-insured endorsement, waiver of subrogation, primary & non-contributory wording, and policy exclusions. A COI that types 'Additional Insured' while no endorsement sits on the policy is worthless — and when a loss hits, your own policy pays and premiums rise.
Most tools verify the certificate document, not the underlying policy. That is why the real compliance rate tops out at 60–70%. Vendor Insurance Coverage Verification Engine closes that gap.
60–70%
Real compliance ceiling that certificate-only tools hit — endorsement language and exclusions get missed
The benchmark
Measured against your contract requirements — line by line.
We do not verify the certificate and hope. Every vendor is scored against a requirement matrix built from your contracts. These are the elements each vendor file is held to.
Additional-insured endorsement
The actual endorsement form is read and verified to exist, with scope matching the work — not just a checkbox on the certificate.
Policy exclusions
Coverage-killing exclusions (mold, earth movement, height/EIFS, residential, subsidence, professional-services carve-outs) are screened against the work scope.
Waiver of subrogation
The waiver is confirmed in the policy, not just typed on the certificate.
Primary & non-contributory wording
Policy language is checked to ensure the vendor's coverage is primary and non-contributory.
Audit-ready binder
A continuously green compliant pool with a determination memo and audit binder behind every vendor — maintained and updated as policies renew.
How a vendor is verified
Intake to expert sign-off, with AI as the engine and a licensed professional as the trust interface.
AI extracts, classifies, and matches. Deterministic rules enforce the requirement tree. A licensed risk professional signs every coverage-gap determination. The client operates no software.
01
Compliance Gap Scan
Upload your contract requirements and vendor list. We return a free compliance read: which vendors are compliant at the certificate level, and which need endorsement-level verification.
02
Collection & intake
As your authorized agent, we collect each vendor's COI, endorsements, and policy declarations — directly or via your vendor portal.
03
AI extraction & matching
Our AI engine reads every data point from the documents and matches it against your requirement matrix — limits, endorsements, exclusions, effective dates.
04
Deterministic compliance gates
Each requirement is checked deterministically: endorsement exists? scope matches? exclusions clear? primary & non-contributory? Any failure flags the vendor as deficient.
05
Expert determination
A licensed risk professional reviews all flagged items and signs the coverage-gap determination. High-value or complex files route to attorney review.
06
Deficiency chase & cure
We notify deficient vendors on your behalf, track responses, and re-verify until compliant — or document the gap for your risk file.
The bar we hold
Rigor you can measure.
100%
Expert-signed determinations
Every coverage-gap determination is signed by a licensed risk professional.
5 days
Standard SLA per vendor
From complete intake to verified outcome.
<1%
Critical-defect target
Tracked against a gold-standard compliance library.
Operating commitment
Verification depth
Not just certificate — actual endorsements, exclusions, and policy forms.
Why Vendor Insurance Coverage Verification Engine
Built to be the most thorough option a risk manager has.
Endorsement-verified, by design
The deliverable is compliance at the endorsement level — every requirement verified or explicitly exception-coded. Nothing is left to the certificate.
Deterministic, not vibes
The gates that decide compliance are code, not a model's opinion. A missing endorsement cannot slip past a requirement.
In its lane, on purpose
We verify coverage and chase deficiencies as your clerical agent. We never provide legal advice or bind coverage.
Engagement
Flat fee per verified vendor-year. No hourly billing, ever.
Simple, predictable, and aligned with a compliance outcome — not a percentage of any premium or claim.
- A free Compliance Gap Scan before you commit — see exactly which vendors need endorsement-level verification.
- One flat fee per verified vendor-year; disclosed pass-through search fees for hard-to-get endorsements.
- Optional deep-verification unit for high-value or complex policies.
- Optional backfile remediation project for historical vendor files.
FAQ
Questions, answered precisely.
Is Vendor Insurance Coverage Verification Engine a law firm?
No. Vendor Insurance Coverage Verification Engine, a service of Your Deputy, Obuke LLC, provides documentation-completeness and compliance-verification services. It is not a law firm, does not provide legal advice, and does not represent you in any legal matter. Attorney review is available and recommended for high-value or complex files.
Do you contact vendors or bind coverage?
We contact vendors only to collect documents and chase deficiencies as your authorized clerical agent. We never bind coverage, adjust claims, or provide insurance advice.
What makes a vendor 'compliant'?
Compliance is defined by your contract requirements: the additional-insured endorsement exists and matches scope, waiver of subrogation is in force, primary & non-contributory wording is present, exclusions are screened, and limits meet minimums. Deterministic gates enforce each one before sign-off.
How fast is it?
The standard SLA is five business days from complete intake to an expert-signed determination. The free Gap Scan is returned much sooner and tells you exactly which vendors need work.
How are you priced?
A flat fee per verified vendor-year, plus disclosed pass-through costs for hard-to-get endorsements. No hourly billing and no percentage of any premium or claim.
See what's missing before it costs you a claim.
Start with a free Compliance Gap Scan. Send your contract requirements and vendor list and we'll return a compliance read against every requirement.
Documentation-completeness service · not legal advice · the client retains all risk decisions.