An AI insurance certificate collection agent works out which types of cover the engagement calls for from the category, work location and contract terms, and tells the supplier exactly what to provide.
Agent reads required cover types for the supplier.
Agent asks the supplier's broker or contact for it.
Certificate is received and logged.
Agent reads insurer, cover type, limits and dates.
Reviewer judges whether cover is enough.
Expiry date is recorded for renewal chasing.
It reads each certificate for insurer, policy type, limits, period of cover and named insured, and compares them with the minimums your policy sets.
It records expiry dates and drafts a renewal request ahead of the date so cover does not lapse unnoticed.
Certificates are issued by brokers in many layouts, and a certificate on file does not prove that the cover is current, adequate or in the right name.
Every broker formats a certificate differently, so key figures are hard to find.
The certificate names a parent or sister company rather than the contracting supplier.
Cover exists but falls below what the contract requires.
A supplier provides liability cover but not the professional cover the work needs.
The certificate was valid at onboarding and expired months ago without anyone noticing.
The agent proposes required cover types and minimum limits from the category and contract, for a reviewer to confirm.
It drafts a clear request listing the cover needed and the details the certificate must show.
Insurer, policy type, limit, period and insured name are read from the document.
Each item is checked against the requirement, and gaps are listed in plain terms.
The expiry date is recorded and a renewal reminder is drafted ahead of it for review.
Bring a small sample and watch Flo work through it.
| Aspect | By hand | With the agent |
|---|---|---|
| Required cover | Buyers guess which cover applies. | Agent proposes cover types from category and work location. |
| Reading | Reviewers hunt through certificate pages for limits. | Agent extracts insurer, type, limit and dates into fields. |
| Gaps | A missing cover type is discovered after an incident. | Agent lists each required cover and marks which are absent. |
| Expiry | Certificates lapse without notice. | Expiry dates are recorded and reminders prepared. |
| Insured party | Named insured is rarely compared with the contract party. | Agent compares the named insured with the supplier entity. |
| If | Then | Who decides |
|---|---|---|
| a required cover type is absent | request it from the supplier | Buyer |
| the stated limit is below the minimum set by policy | flag the shortfall | Risk owner |
| the policy ends before the expected contract end | flag it and propose a renewal reminder | Risk owner |
| the named insured differs from the supplier | flag for review | Risk owner |
| the certificate is not an original or is unreadable | ask for a clear copy | Buyer |
| all checks pass | mark cover verified for risk owner confirmation | Risk owner |
The agent notes the parent as insured and asks whether the supplier is included. The risk owner decides if that is acceptable.
The agent records the statement and asks for supporting evidence. The risk owner and legal decide.
The agent shows the described activity next to the scope of work. The risk owner judges the gap.
The agent accepts the broker as a sender but notes it. The buyer confirms the broker is genuine through known contacts.
Talk it through with the team. We will map it to your steps and show where a person stays in control.
Agree cover types and minimum limits by category.
Have the agent summarise certificates for people.
Flag shortfalls against minimums.
Prepare renewal requests as expiry dates near.
It shows how many relevant suppliers hold valid cover right now. Low figures point to expired certificates or unchecked limits.
Quick answers to what people ask most about insurance certificate collection.
Book a demoIt is the process of getting proof of a supplier's insurance and checking that it meets your requirements. An AI agent can read certificates, compare them with the minimums and flag gaps.
It compares extracted limits and cover types with the minimums your team has set and shows the gaps. A reviewer decides whether anything short of the minimum is acceptable.
It records the end date of each policy and drafts a renewal request before it arrives, for a person to review and send.
No. It works from the documents suppliers provide. Verifying a policy directly with an insurer is a step a person can choose to take.
Bank detail collection is the step of obtaining a supplier's payment account details securely and checking them before they are used to pay invoices.
→SOC 2 report review is the step of reading a supplier's SOC 2 audit report to judge whether its security controls cover the service you are buying.
→Tax ID validation is the step of checking that a supplier's tax identification number is correctly formed, consistent with its legal name and country, and not already attached to another record.
→ISO certification review is the step of checking that a supplier's ISO certificate, such as ISO 27001 or ISO 9001, is current, issued by a credible body and covers the sites and services you are buying.
→Bring a small sample of real items. We will show what Flo handles on its own and where it hands over to your team.
