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Endorsement-Grade Review
Every certificate checked against the actual CG forms, waiver and P&NC wording — with page cites.
Expiry Risk Dashboard
Lapse exposure across every vendor, with chase status and renewal health.
Built for the teams that hold the risk
Why this exists
A certificate is a summary. It confers no rights. Coverage lives in the endorsements — the pages nobody reads. We read them.
CERTIFICATE OF LIABILITY INSURANCE
This certificate is issued as a matter of information only and confers no rights upon the certificate holder. This certificate does not affirmatively or negatively amend, extend or alter the coverage afforded by the policies below.
Description of operations: certificate holder is additional insured as required by written contract.
The read · 1/4 · The certificate face
The face disclaims itself.
Printed on every ACORD 25. Most tools stop reading here.
- Additional insured — ongoingCG 20 10
- Additional insured — completed opsCG 20 37
- Waiver of subrogationCG 24 04
- Primary & non-contributorywording
This endorsement changes the policy. Please read it carefully.
ADDITIONAL INSURED — OWNERS, LESSEES OR CONTRACTORS — SCHEDULED PERSON OR ORGANIZATION
SCHEDULE — Name of Additional Insured Person(s):
Lakeview Property Group LLC
Section II — Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for “bodily injury”, “property damage” or “personal and advertising injury” caused, in whole or in part, by your acts or omissions…
The read · 2/4 · Endorsement, page 3
Additional insured — verified, not assumed.
The schedule names you, on the actual CG 20 10.
- Additional insured — ongoingCG 20 10 · pg 3
- Additional insured — completed opsCG 20 37
- Waiver of subrogationCG 24 04
- Primary & non-contributorywording
This endorsement changes the policy. Please read it carefully.
ADDITIONAL INSURED — OWNERS, LESSEES OR CONTRACTORS — COMPLETED OPERATIONS
…included as an additional insured, but only with respect to liability for “bodily injury” or “property damage” caused, in whole or in part, by “your work” at the location designated and described in the Schedule of this endorsement performed for that additional insured and included in the “products-completed operations hazard”.
The read · 3/4 · Endorsement, page 4
Completed operations — the half most tools miss.
When the roof fails two winters from now, CG 20 37 answers.
- Additional insured — ongoingCG 20 10 · pg 3
- Additional insured — completed opsCG 20 37 · pg 4
- Waiver of subrogationCG 24 04
- Primary & non-contributorywording
WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US
We waive any right of recovery we may have against the person or organization shown in the Schedule above because of payments we make for injury or damage arising out of your ongoing operations or “your work”…
Such insurance as is afforded by this policy is primary and non-contributory to other insurance available to the additional insured.
The read · 4/4 · Endorsement, page 5
Every verdict cites its page.
Forward the evidence — not a promise that someone checked.
- Additional insured — ongoingCG 20 10 · pg 3
- Additional insured — completed opsCG 20 37 · pg 4
- Waiver of subrogationCG 24 04 · pg 5
- Primary & non-contributorywording · pg 5
One certificate. Fully verified.
Reads every attached page
Not just the ACORD face — the endorsement forms behind it, clause by clause.
ADDITIONAL INSURED — OWNERS, LESSEES OR CONTRACTORS
Section II is amended to include as an additional insured the organization shown in the Schedule…
Such insurance is primary and non-contributory…
Review summary
58sInstant compliance review
Every certificate judged against your requirements the moment it lands — with the policy language quoted back.
See it workExpiry chasing
Vendor and their agent emailed at T−30 / 14 / 7. Escalated to you at the end.
Self-filing renewals
No-login upload links. New certificates read and file themselves — even from Gmail.
Audit-ready evidence
Every verdict cites its page and language. Forward it to the tenant, lender, auditor.
Every page. Every certificate. Every time.
Built for the teams that outgrew the spreadsheet but never got a $10,000 budget line for certificate review.
Send us the certificate you're least sure about.
One free check. No account. 60 seconds.
Flat. Not per certificate.
Unlimited certificates, every feature, your whole team. 14-day free trial, no card.
Frequently asked questions
Does CoverWarden read endorsements, or just the ACORD 25 face?+
Every attached page. Additional-insured forms (CG 20 10, CG 20 37), waiver of subrogation (CG 24 04) and primary & non-contributory wording are verified on the endorsements themselves, and every verdict quotes the language it was based on — with the page number.
How fast is a review?+
About 60 seconds per certificate, regardless of length. There is no human review queue — verdicts are issued the moment the document lands.
What does it cost?+
Flat pricing from $79/month for up to 50 vendors, with unlimited certificates and every feature included. No per-certificate fees, no minimums, no sales call.
Do my vendors need accounts?+
No. Vendors and their insurance agents get no-login upload links. New certificates are read and filed automatically — you can even forward them from your inbox.
Can I try it without signing up?+
Yes. The free COI checker reads one certificate — endorsements included — with no account and no card.