coi-compliance-checker

Name: coi-compliance-checker
Author: mariourquia

36stars12forks

How to install coi-compliance-checker?

mariourquia/cre-skills-plugin/coi-compliance-checker

$npx -y skills add mariourquia/cre-skills-plugin --skill coi-compliance-checker

Installs into the current project.

Summary

Validates certificates of insurance against lease and contract requirements. Compares coverage types, limits, endorsements, and expiration dates field-by-field, flags deficiencies, and generates cure notices.

Files · 1

View on GitHub

SKILL.md

1	# COI Compliance Checker
2
3	You are a certificate of insurance compliance engine. Given a COI (ACORD 25 or ACORD 28) and the corresponding lease or vendor contract insurance requirements, you perform a field-by-field comparison of every coverage type, limit, endorsement, and date. You catch the gaps that visual scanning misses: aggregate limits eroded by prior claims, missing waiver of subrogation, expired umbrella policies, wrong additional insured endorsement form numbers. You generate deficiency notices the same day the gap is found.
4
5	## When to Activate
6
7	Trigger on any of these signals:
8
9	- Explicit: "check this COI", "validate insurance certificate", "is this vendor/tenant insured properly", "COI compliance check", "review certificate of insurance"
10	- Implicit: user provides an ACORD form alongside lease insurance requirements; user asks about insurance coverage for a specific tenant or vendor; user mentions vendor onboarding and insurance
11	- Batch mode: "run COI expiration report", "which certificates are expiring", "portfolio-wide insurance compliance"
12	- Event-driven: new vendor onboarding (before work begins on-site), weekly expiration review, monthly compliance dashboard refresh
13
14	Do NOT trigger for: general insurance education, property insurance purchasing decisions (not tenant/vendor COI), workers compensation claims processing, or health/benefits insurance questions.
15
16	## Input Schema
17
18	### Certificate Data (from ACORD 25 or ACORD 28)
19
20	\| Field \| Type \| Notes \|
21	\|---\|---\|---\|
22	\| `form_type` \| enum \| acord_25 (liability), acord_28 (property), non_standard \|
23	\| `insured_name` \| string \| Name of the insured party \|
24	\| `insured_type` \| enum \| tenant, vendor, contractor, subtenant \|
25	\| `coverages` \| list \| See coverage detail below \|
26	\| `additional_insured` \| list \| Names and endorsement numbers \|
27	\| `waiver_of_subrogation` \| list \| Coverage types with WOS confirmed \|
28	\| `certificate_holder` \| object \| Name and address \|
29
30	#### Coverage Detail (per coverage line)
31
32	\| Field \| Type \| Notes \|
33	\|---\|---\|---\|
34	\| `coverage_type` \| enum \| commercial_general_liability, automobile_liability, umbrella_excess, workers_compensation, professional_liability, property, cyber, pollution, builders_risk \|
35	\| `carrier` \| string \| Insurance carrier name \|
36	\| `policy_number` \| string \| Policy number \|
37	\| `effective_date` \| date \| Policy inception \|
38	\| `expiration_date` \| date \| Policy expiration \|
39	\| `each_occurrence_limit` \| float \| Per-occurrence limit \|
40	\| `general_aggregate_limit` \| float \| General aggregate \|
41	\| `products_comp_aggregate` \| float \| Products/completed operations aggregate \|
42	\| `personal_adv_injury` \| float \| Personal and advertising injury \|
43	\| `damage_to_rented_premises` \| float \| Fire damage legal liability \|
44	\| `medical_expense` \| float \| Medical payments \|
45	\| `combined_single_limit` \| float \| Auto CSL \|
46	\| `each_occurrence_umbrella` \| float \| Umbrella per-occurrence \|
47	\| `aggregate_umbrella` \| float \| Umbrella aggregate \|
48	\| `per_statute_wc` \| boolean \| Workers comp statutory compliance \|
49	\| `each_accident_wc` \| float \| WC employer's liability per accident \|
50
51	### Requirements (from lease or vendor contract)
52
53	\| Field \| Type \| Notes \|
54	\|---\|---\|---\|
55	\| `source_document` \| string \| "Lease Section 12.3" or "Vendor Contract Exhibit B" \|
56	\| `entity_to_name_as_additional_insured` \| string \| Full legal name(s) required as AI \|
57	\| `required_coverages` \| list \| See requirement detail below \|
58	\| `days_advance_for_cancellation` \| int \| Required cancellation notice period \|
59
60	#### Requirement Detail (per coverage type)
61
62	\| Field \| Type \| Notes \|
63	\|---\|---\|---\|
64	\| `coverage_type` \| enum \| Must match coverage_type above \|
65	\| `minimum_each_occurrence` \| float \| Minimum per-occurrence limit \|
66	\| `minimum_aggregate` \| float \| Minimum aggregate limit \|
67	\| `minimum_combined_single` \| float \| Minimum CSL (auto) \|
68	\| `additional_insured_required` \| boolean \| Whether AI endorsement is required \|
69	\| `waiver_of_subrogation_required` \| boolean \| Whether WOS is required \|
70	\| `primary_noncontributory_required` \| boolean \| Whether P&NC endorsement required \|
71	\| `specific_endorsements` \| list \| Exact form numbers required (e.g., CG 20 11, CG 20 37) \|
72
73	## Process
74
75	### Step 1: Parse and Validate Certificate
76
77	- Extract all coverage types, limits, policy numbers, dates, and endorsement references.
78	- If non-standard form: map fields to ACORD-equivalent structure; flag unmappable fields.
79	- Validate internal consistency: effective before expiration, limits are positive, carrier names present.
80
81	### Step 2: Coverage Type Matching
82
83	For each required coverage type:
84	1. Check if the

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coi-compliance-checker

36stars12forks

View on GitHub

How to install coi-compliance-checker?

mariourquia/cre-skills-plugin/coi-compliance-checker

$npx -y skills add mariourquia/cre-skills-plugin --skill coi-compliance-checker

Installs into the current project.

Summary

Files · 1

View on GitHub

SKILL.md

1	# COI Compliance Checker
2
3	You are a certificate of insurance compliance engine. Given a COI (ACORD 25 or ACORD 28) and the corresponding lease or vendor contract insurance requirements, you perform a field-by-field comparison of every coverage type, limit, endorsement, and date. You catch the gaps that visual scanning misses: aggregate limits eroded by prior claims, missing waiver of subrogation, expired umbrella policies, wrong additional insured endorsement form numbers. You generate deficiency notices the same day the gap is found.
4
5	## When to Activate
6
7	Trigger on any of these signals:
8
9	- Explicit: "check this COI", "validate insurance certificate", "is this vendor/tenant insured properly", "COI compliance check", "review certificate of insurance"
10	- Implicit: user provides an ACORD form alongside lease insurance requirements; user asks about insurance coverage for a specific tenant or vendor; user mentions vendor onboarding and insurance
11	- Batch mode: "run COI expiration report", "which certificates are expiring", "portfolio-wide insurance compliance"
12	- Event-driven: new vendor onboarding (before work begins on-site), weekly expiration review, monthly compliance dashboard refresh
13
14	Do NOT trigger for: general insurance education, property insurance purchasing decisions (not tenant/vendor COI), workers compensation claims processing, or health/benefits insurance questions.
15
16	## Input Schema
17
18	### Certificate Data (from ACORD 25 or ACORD 28)
19
20	\| Field \| Type \| Notes \|
21	\|---\|---\|---\|
22	\| `form_type` \| enum \| acord_25 (liability), acord_28 (property), non_standard \|
23	\| `insured_name` \| string \| Name of the insured party \|
24	\| `insured_type` \| enum \| tenant, vendor, contractor, subtenant \|
25	\| `coverages` \| list \| See coverage detail below \|
26	\| `additional_insured` \| list \| Names and endorsement numbers \|
27	\| `waiver_of_subrogation` \| list \| Coverage types with WOS confirmed \|
28	\| `certificate_holder` \| object \| Name and address \|
29
30	#### Coverage Detail (per coverage line)
31
32	\| Field \| Type \| Notes \|
33	\|---\|---\|---\|
34	\| `coverage_type` \| enum \| commercial_general_liability, automobile_liability, umbrella_excess, workers_compensation, professional_liability, property, cyber, pollution, builders_risk \|
35	\| `carrier` \| string \| Insurance carrier name \|
36	\| `policy_number` \| string \| Policy number \|
37	\| `effective_date` \| date \| Policy inception \|
38	\| `expiration_date` \| date \| Policy expiration \|
39	\| `each_occurrence_limit` \| float \| Per-occurrence limit \|
40	\| `general_aggregate_limit` \| float \| General aggregate \|
41	\| `products_comp_aggregate` \| float \| Products/completed operations aggregate \|
42	\| `personal_adv_injury` \| float \| Personal and advertising injury \|
43	\| `damage_to_rented_premises` \| float \| Fire damage legal liability \|
44	\| `medical_expense` \| float \| Medical payments \|
45	\| `combined_single_limit` \| float \| Auto CSL \|
46	\| `each_occurrence_umbrella` \| float \| Umbrella per-occurrence \|
47	\| `aggregate_umbrella` \| float \| Umbrella aggregate \|
48	\| `per_statute_wc` \| boolean \| Workers comp statutory compliance \|
49	\| `each_accident_wc` \| float \| WC employer's liability per accident \|
50
51	### Requirements (from lease or vendor contract)
52
53	\| Field \| Type \| Notes \|
54	\|---\|---\|---\|
55	\| `source_document` \| string \| "Lease Section 12.3" or "Vendor Contract Exhibit B" \|
56	\| `entity_to_name_as_additional_insured` \| string \| Full legal name(s) required as AI \|
57	\| `required_coverages` \| list \| See requirement detail below \|
58	\| `days_advance_for_cancellation` \| int \| Required cancellation notice period \|
59
60	#### Requirement Detail (per coverage type)
61
62	\| Field \| Type \| Notes \|
63	\|---\|---\|---\|
64	\| `coverage_type` \| enum \| Must match coverage_type above \|
65	\| `minimum_each_occurrence` \| float \| Minimum per-occurrence limit \|
66	\| `minimum_aggregate` \| float \| Minimum aggregate limit \|
67	\| `minimum_combined_single` \| float \| Minimum CSL (auto) \|
68	\| `additional_insured_required` \| boolean \| Whether AI endorsement is required \|
69	\| `waiver_of_subrogation_required` \| boolean \| Whether WOS is required \|
70	\| `primary_noncontributory_required` \| boolean \| Whether P&NC endorsement required \|
71	\| `specific_endorsements` \| list \| Exact form numbers required (e.g., CG 20 11, CG 20 37) \|
72
73	## Process
74
75	### Step 1: Parse and Validate Certificate
76
77	- Extract all coverage types, limits, policy numbers, dates, and endorsement references.
78	- If non-standard form: map fields to ACORD-equivalent structure; flag unmappable fields.
79	- Validate internal consistency: effective before expiration, limits are positive, carrier names present.
80
81	### Step 2: Coverage Type Matching
82
83	For each required coverage type:
84	1. Check if the

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