# COIBeacon sample desk review (fictional)

**Banner:** Demonstration using fictional companies and documents. Listed ≠ verified coverage.

## Batch: Harborview Multifamily LLC — SAMPLE DATA
- Review ref: DEMO-2026-0911 (fictional)
- **Fictional review date: September 11, 2026** (explicit — Req 7 “current on review date”)
- Requirements: Vendor insurance checklist v3 (customer-supplied), 7 lines
- Certificates: 8 of 10 (fictional)
- Batch counts (after contradiction fixes): **40 Listed / 7 Missing / 4 Apparent mismatch / 5 Needs clarification = 56**

## Finding labels
- Missing information
- Apparent mismatch
- Needs clarification
- Listed in the supplied document (Listed ≠ verified coverage)

## Selected findings
Three certificates in the HTML sample show **all 7 requirement lines** each (Apex, Ridgeline, Northgate). Other five: summary table + follow-up only. A paid delivery includes every certificate × every requirement line.

## Example finding — Apex HVAC (Additional insured)
- **Requirement:** Additional insured: Harborview Multifamily LLC, with endorsement page attached
- **Observed:** Box checked. No endorsement page in the file.
- **Label:** Missing information
- Also on Apex: Waiver missing; holder name Apparent mismatch; Auto **Listed** (Auto problems are on Meridian/Northgate, not Apex)

## Example finding — Ridgeline Roofing (GL occurrence)
- **Requirement:** General liability, each occurrence: $1,000,000
- **Observed:** Shows $500,000. Checklist requires $1,000,000.
- **Label:** Apparent mismatch
- **Req 7 dates:** GL ends Sep 30, 2026 — still **current** on review date 2026-09-11 (+19d) → **Listed**, with separate upcoming-renewal reminder (not a discrepancy)

## Example finding — Northgate Landscaping (GL occurrence)
- **Requirement:** General liability, each occurrence: $1,000,000
- **Observed:** Limit column blurred; digits cannot be read with confidence.
- **Label:** Needs clarification
- **Also on Northgate Req 5 (AI):** Box checked and Harborview named on face; **separate endorsement page not in photo** → **Missing information** (checklist requires endorsement attached).

## Offer
$199 · ≤10 COIs · compare to customer-supplied requirements · documented discrepancies · batch summary · turnaround confirmed when we accept your packet.

Not coverage verification, contractor approval, legal/insurance advice, or insurer confirmation.