Certificates of insurance

Every agency has a COI desk. Nobody meant to build one.

It starts as a favour — a contractor needs a certificate before Monday — and becomes a standing job that lands on whoever can least afford to drop what they're doing. The certificates aren't hard. The interruption is.

Fig. 01 · Delivered submission workflow
The delivered workflow

Six stations. One conduit. Every document that enters is accounted for when it leaves.

01INTAKE

Upload a batch

Drag in the certificates as they arrived — PDF, PNG or JPG, up to 15MB each. Scans and faxes included.

02READ

Document extraction

ACORD 25 certificates and loss runs are read field by field. Other types are classified and routed, not guessed at.

03ROUTE

Classification

Every document is typed, matched to the account, and routed to the right queue with a confidence score.

04JUDGE

Human review — exceptions only

Confident work passes through. Anything below threshold routes to a person with the source document attached.

05EXPORT

Export to your system

Clean rows out as CSV or JSON, shaped for the import your management system already takes. Direct write-back ships only when a vendor authorises it.

06PROVE

Complete audit trail

Who did what, when, and on which document. Every decision is recorded and exportable.

Why CaliberNova

The certificate nobody is thinking about is the expensive one.

The cert that turns up in an E&O claim is rarely one your team got wrong. It's the one that quietly expired in a subcontractor file eleven months ago, in a book too large for anyone to hold in their head.

So we started with reading the documents rather than with tracking them. A certificate whose values were keyed by hand at 4pm on a Friday is not a record you want a claim to rest on.

Fixed-fee discovery.

Evidence before budget.

Live in weeks.

Not multi-year roadmaps.

You own the system.

No lock-in, no black box.

Insurance workflows we build for

The back-office work we automate.

Implementation capabilities across the document-heavy workflows that consume agency and carrier staff hours.

Submission intake & triage
Loss-run extraction
Broker email classification
Policy document processing
Claims intake
Underwriting support
Renewal preparation
Certificate (COI) processing
Internal knowledge search
Process

Measured in four moves.

01

Discover

We map the workflow, count the hours it consumes, and identify where AI pays.

02

Pilot

A working proof of concept on your real documents and data — in weeks.

03

Build

Production system, integrated into your AMS, inbox, and tools.

04

Deliver

Your team trained, exceptions handled, system live. You own it.

Industries

Built for regulated work.

Deep in insurance. Fluent in every industry where documents, deadlines, and compliance shape the workflow.

Core specialty

Insurance

Submissions, renewals, certificates, claims intake, AMS workflows.

Healthcare

Referral intake, records processing, prior-auth support.

Finance

Document review, onboarding, compliance workflows.

Legal

Contract review, intake triage, matter management.

Manufacturing

Order processing, supplier documents, quality reports.

Real Estate

Lease abstraction, transaction coordination.

Logistics

BOL processing, tracking updates, exception handling.

Professional Services

Proposal drafting, knowledge systems, reporting.

Output · clean records, written and logged

SUB-40912

Submission bound

written to Applied Epic

COI-77431

Certificate issued

written to EZLynx

REN-20884

Renewal prepared

written to AMS360

How the pilot stays safe

Structured so you never buy blind.

  • A fixed fee, paid once — no retainer, no auto-renewal
  • Your own certificates, not a canned demo set
  • Every extracted field shown against the source document
  • Your data stays yours, and leaves when you ask
  • You talk to the person who built it
  • Exports to the system you already run
FAQ

Straight answers.

A fifteen-minute call, then the COI Pilot. You run your own certificates through it and get a measured accuracy number before anyone discusses a larger build.