passcut

Insurance policy checking & COIs

For independent agencies: issued policies checked against proposals line by line, and routine COI requests handled in minutes. Licensed staff make every coverage call.

The problem

Policy checking is hours of line-by-line comparison per commercial policy, so at busy agencies it gets sampled or skipped. Failure to procure requested coverage is a familiar source of E&O exposure for agencies.

COI requests take 8 to 15 CSR hours a week at a typical commercial agency: simple certificates take minutes, additional-insured ones much longer, and all of them interrupt other work.

Renewal remarketing means re-keying the same account data into carrier portal after carrier portal.

How the agent runs it

Step 1

Check

Issued policies compare against the proposal and the expiring policy: limits, deductibles, endorsements, named insureds. Discrepancies are listed with references.

Step 2

Issue certificates

Routine COI requests are parsed from email, verified against the active policy, and issued on the ACORD form.

Step 3

Flag

Anything touching endorsement changes or coverage interpretation routes to licensed staff.

Step 4

Prep renewals

Account data is compiled once for remarketing so nobody re-keys applications.

Human in the loop

Where your team stays in charge

Coverage advice and anything that could alter coverage stay with licensed producers. A wrong certificate is an E&O claim, which is exactly why the risky ones route to people.

  1. Work arrives

    invoice · ticket · email

  2. Passcut agent

    reads · codes · prepares

  3. Your team approves

    one click · always human

  4. Done, filed

    in your system

Anything unclear goes straight to a person

What changes

Typical before and after for this workflow. We measure your baseline during the audit and commit to numbers per engagement.

BeforeWith the agent
Policy checkingHours; often sampledEvery policy, line by line
Routine COIs12–15 min eachMinutes, no interruption
E&O exposureSkipped checksDocumented review trail
Renewal prepRe-keyed per carrierCompiled once

Connects to what you run

  • Applied Epic
  • EZLynx
  • HawkSoft
  • NowCerts
  • Gmail / Outlook

Different stack? We integrate through the official API first, exports and email second, browser automation last. The audit tells you where your tools sit before you spend anything.

Common questions on this workflow

Our agency management system is old and closed.

The usual case. We work through whatever access exists: API where possible, exports and email where not. The audit tells you which before you commit.

Can the agent bind coverage?

No. Binding and advising require a licensed producer in every state, and we build that boundary as a hard stop, not a setting.

Related: Invoice processing automation · Receipt & expense data extraction · AP approval workflow automation

See what insurance policy checking & cois would save you

45 minutes. We map the workflow as you run it today, estimate the hours an agent returns, and quote the pilot. No obligation.

Get your workflow audit45 minutes · written summary · no obligationAlready know what you want built? Get a quote