Demonstration using fictional companies and documents. No real customer, contractor, carrier, or policy appears on this page. Listed ≠ verified coverage.
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Plain-language findings from fictional companies and documents. Each finding records the requirement, document/field, what was observed, what remains unknown, and a follow-up question. Listed ≠ verified coverage.

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COIBeacon · Review Desk

Harborview Multifamily LLC — SAMPLE DATA

  • Review ref: DEMO-2026-0911 (fictional)
  • Fictional review date: September 11, 2026 (explicit — used for Req 7 “current on review date”)
  • Requirements source: “Vendor insurance checklist v3” (customer-supplied) · 7 lines
  • Certificates received: 8 of a possible 10 (fictional packet)
  • Prepared by: COIBeacon · document comparison only · Listed ≠ verified coverage

1. Batch summary

8 certificates × 7 requirement lines = 56 items reviewed against customer-supplied requirements. Counts describe documents as sent — not a score and not coverage verification.

56Items reviewed
40Listed in supplied doc
7Missing information
4Apparent mismatch
5Needs clarification

2. Requirement lines (customer-supplied)

  1. General liability, each occurrence: $1,000,000
  2. General liability, general aggregate: $2,000,000
  3. Workers' compensation: statutory; employer's liability $500,000
  4. Auto liability: $1,000,000 combined single limit
  5. Additional insured: Harborview Multifamily LLC, with endorsement page attached
  6. Waiver of subrogation in favor of Harborview Multifamily LLC
  7. Certificate holder shown as “Harborview Multifamily LLC, 1200 Harbor Way” and policy dates current on the review date

3. Certificate summary

Contractor (fictional) Trade File Listed Missing Mismatch Clarify Follow-up
Apex HVAC Services — SAMPLE DATAHVACapex-hvac-coi.pdf4210AI endorsement; waiver; holder name
Ridgeline Roofing Co. — SAMPLE DATARoofingridgeline-coi-2026.pdf6010GL occurrence limit; renewal reminder (separate)
Blue Ridge Plumbing — SAMPLE DATAPlumbingblueridge-plumbing.pdf7000None noted
Meridian Painting Co. — SAMPLE DATAPaintingmeridian-coi.pdf5200Auto liability; waiver
Summit Snow & Ice — SAMPLE DATASnow removalsummit-snow-coi.pdf5011Workers' comp “exempt”; waiver beneficiary not established
Northgate Landscaping — SAMPLE DATALandscapingnorthgate-scan.jpg2203Readable copy; AI endorsement; waiver
Falcon Fire Protection — SAMPLE DATAFire & safetyfalcon-fire-coi.pdf6001Waiver beneficiary not established
Cedar Point Waste Services — SAMPLE DATAWaste haulingcedarpoint-coi.pdf5110Current certificate; AI endorsement

4. Findings by certificate (detail)

Selected findings: three certificates below show all 7 requirement lines each. The other five certificates appear in the summary table and follow-up list only. A paid delivery includes every certificate × every requirement line.

Apex HVAC Services — SAMPLE DATA apex-hvac-coi.pdf · 2 pages · certificate dated Aug 14, 2026

  • 1. GL each occurrenceListed in the supplied document
    Document / field
    GL each occurrence limit
    Observed
    Shows $1,000,000.
    Unknown
    None for this line on the face of the certificate.
    Follow-up question
    None for this line.
  • 2. GL general aggregateListed in the supplied document
    Document / field
    GL general aggregate limit
    Observed
    Shows $2,000,000.
    Unknown
    None for this line on the face of the certificate.
    Follow-up question
    None for this line.
  • 3. Workers' compensationListed in the supplied document
    Document / field
    WC / employer's liability limits
    Observed
    WC shown as statutory; employer's liability $500,000 / $500,000 / $500,000.
    Unknown
    None for this line on the face of the certificate.
    Follow-up question
    None for this line.
  • 4. Auto liabilityListed in the supplied document
    Document / field
    Auto liability combined single limit
    Observed
    Shows $1,000,000 CSL. Any Auto box checked.
    Unknown
    None for this line on the face of the certificate.
    Follow-up question
    None for this line.
  • 5. Additional insuredMissing information
    Document / field
    GL “Addl insd” checkbox; attachments
    Observed
    Box checked. No endorsement page in the file.
    Unknown
    Whether an endorsement exists outside this PDF.
    Follow-up question
    Please provide the additional insured endorsement page naming Harborview Multifamily LLC.
  • 6. Waiver of subrogationMissing information
    Document / field
    Waiver checkbox / description box
    Observed
    Waiver box not checked; no waiver language in the description box.
    Unknown
    Whether a waiver exists on another form.
    Follow-up question
    Please provide waiver of subrogation in favor of Harborview Multifamily LLC.
  • 7. Holder and datesApparent mismatch
    Document / field
    Certificate holder line; policy period
    Observed
    Holder reads “Harborview Multi-Family, 1200 Harbor Way”. Policy dates Jul 1, 2026–Jul 1, 2027 (current on fictional review date Sep 11, 2026).
    Unknown
    Whether the name variant is acceptable to you.
    Follow-up question
    Can the certificate be reissued with holder “Harborview Multifamily LLC” exactly as on the checklist?

Suggested ask: AI endorsement page, waiver of subrogation, and holder name matching the checklist entity. Whether the name variant matters is your call (or your broker’s). Listed ≠ verified coverage.

Ridgeline Roofing Co. — SAMPLE DATA ridgeline-coi-2026.pdf · 2 pages (certificate + endorsement) · certificate dated Sep 2, 2026

  • 1. GL each occurrenceApparent mismatch
    Document / field
    GL each occurrence limit
    Observed
    Shows $500,000. Checklist requires $1,000,000.
    Unknown
    Whether a higher limit is available or acceptable.
    Follow-up question
    Is a $1,000,000 per-occurrence limit available for this trade, or should we treat $500,000 as an exception?
  • 2. GL general aggregateListed in the supplied document
    Document / field
    GL general aggregate limit
    Observed
    Shows $2,000,000.
    Unknown
    None for this line on the face of the certificate.
    Follow-up question
    None for this line.
  • 3. Workers' compensationListed in the supplied document
    Document / field
    WC / employer's liability
    Observed
    WC statutory; employer's liability $500,000 / $500,000 / $500,000.
    Unknown
    None for this line on the face of the certificate.
    Follow-up question
    None for this line.
  • 4. Auto liabilityListed in the supplied document
    Document / field
    Auto liability CSL
    Observed
    Shows $1,000,000 CSL.
    Unknown
    None for this line on the face of the certificate.
    Follow-up question
    None for this line.
  • 5. Additional insuredListed in the supplied document
    Document / field
    Endorsement page CG 20 10
    Observed
    Box checked; endorsement page attached naming Harborview Multifamily LLC.
    Unknown
    Whether the endorsement is in force with the carrier.
    Follow-up question
    None for document presence.
  • 6. Waiver of subrogationListed in the supplied document
    Document / field
    Waiver checkbox / description
    Observed
    Waiver box checked; description notes waiver in favor of Harborview Multifamily LLC.
    Unknown
    Whether the waiver is in force with the carrier.
    Follow-up question
    None for document presence.
  • 7. Holder and datesListed in the supplied document
    Document / field
    Certificate holder; policy period end
    Observed
    Holder matches checklist. GL period ends Sep 30, 2026. Fictional review date is Sep 11, 2026 — policy is current on the review date (+19 days remaining). Not an Apparent mismatch under the exact Req 7 wording.
    Unknown
    Renewal status after Sep 30, 2026.
    Follow-up question
    None for Req 7 currency. See separate upcoming-renewal reminder below.

Suggested ask: confirm higher per-occurrence limit availability. Acceptability of $500,000 is a judgment for you or your broker — this review does not decide it.

Upcoming renewal reminder (not a discrepancy): GL expires Sep 30, 2026 — please send the renewal certificate after Sep 30, 2026. This reminder is separate from discrepancy counts.

Northgate Landscaping — SAMPLE DATA northgate-scan.jpg · phone photo · certificate date partially illegible on limits

  • 1. GL each occurrenceNeeds clarification
    Document / field
    GL limit column
    Observed
    Limit column blurred; digits cannot be read with confidence.
    Unknown
    The actual limit amount.
    Follow-up question
    Please send a PDF copy of the certificate from your agent so limits can be read.
  • 2. GL general aggregateNeeds clarification
    Document / field
    GL aggregate column
    Observed
    Same blur affects the aggregate column; digits not readable.
    Unknown
    The actual aggregate amount.
    Follow-up question
    Please include a readable GL aggregate line on a complete PDF certificate.
  • 3. Workers' compensationListed in the supplied document
    Document / field
    WC / employer's liability block
    Observed
    WC statutory readable; EL $500,000 readable.
    Unknown
    None for this line on the readable portion.
    Follow-up question
    None for this line.
  • 4. Auto liabilityNeeds clarification
    Document / field
    Auto liability row
    Observed
    Auto row cut off at the bottom edge of the photo.
    Unknown
    Whether auto liability is shown and at what limit.
    Follow-up question
    Please include the full auto liability line on a complete PDF certificate.
  • 5. Additional insuredMissing information
    Document / field
    Addl insd checkbox + description; endorsement page
    Observed
    Box checked; description names Harborview Multifamily LLC (readable). Separate endorsement page not in the photo.
    Unknown
    Whether an endorsement page exists outside this scan.
    Follow-up question
    Please provide the additional insured endorsement page naming Harborview Multifamily LLC (checklist requires endorsement attached).
  • 6. Waiver of subrogationMissing information
    Document / field
    Waiver checkbox / description
    Observed
    Box not checked; no waiver language visible.
    Unknown
    Whether a waiver exists elsewhere.
    Follow-up question
    Please provide waiver of subrogation in favor of Harborview Multifamily LLC.
  • 7. Holder and datesListed in the supplied document
    Document / field
    Certificate holder; policy dates
    Observed
    Holder “Harborview Multifamily LLC, 1200 Harbor Way” readable. Policy period Jan 1, 2026–Jan 1, 2027 — current on fictional review date Sep 11, 2026.
    Unknown
    None for holder/dates on the readable portion.
    Follow-up question
    None for this line (limits still need a readable PDF — see Req 1–2 and 4).

Suggested ask: readable PDF from the agent, additional insured endorsement page, and waiver of subrogation. Unreadable items stay “Needs clarification” until a readable copy arrives — we do not guess at blurred figures. Face naming alone does not satisfy the endorsement-attached requirement.

5. Follow-up list

  • Apex HVAC Services: AI endorsement page, waiver, holder name corrected.
  • Ridgeline Roofing Co.: question on $500,000 GL occurrence. Upcoming renewal reminder (not a discrepancy): send renewal certificate after Sep 30, 2026.
  • Meridian Painting Co.: auto liability not shown; waiver not shown.
  • Summit Snow & Ice: workers' comp line reads “exempt, no employees” — whether that satisfies your requirement is for you or your broker. Waiver shows checked + language only — beneficiary Harborview Multifamily LLC not established (Needs clarification).
  • Northgate Landscaping: readable PDF; additional insured endorsement page; waiver.
  • Falcon Fire Protection: waiver shows checked + language only — beneficiary Harborview Multifamily LLC not established (Needs clarification). Do not infer beneficiary from checkbox alone.
  • Cedar Point Waste Services: certificate on file expired Jun 30, 2026; current certificate and AI endorsement needed.
  • Blue Ridge Plumbing: nothing noted against the checklist as sent.

6. Limits of this review

  • Comparison of supplied documents against customer-supplied requirements only.
  • “Listed in the supplied document” means the item appears as written — Listed ≠ verified coverage.
  • No carrier, agent, or broker was contacted. No affiliation with any insurer.
  • Judgment calls (acceptable limits, exemptions) are named as questions for you or your broker.

Reminder. Demonstration using fictional companies and documents. Not coverage verification, contractor approval, legal advice, or insurer confirmation.

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