Which COI tracking software checks endorsements, not just certificates?

Which COI tracking software checks endorsements, not just certificates? Almost all of it, now. Of the eight construction tools in our COI tracking software buyer's guide, every one says it looks at endorsements. The question that separates them is how far each one reads: does it name the endorsement type, flag a missing required form, read the wording against your project requirements, or read the full policy? And once it has read it, who decides whether the endorsement is good enough?

That matters because the certificate is only a summary. An additional insured box checked on an ACORD 25 doesn't tell you which endorsement was issued, whether it covers completed operations, or whether it only applies where there's a written contract. Since 1993 the standard CG 20 10 covers ongoing operations only, so a tool that confirms "CG 20 10 attached" hasn't told you whether you're covered after the job is done. See why completed operations coverage needs its own endorsement.

Every fact below comes from each vendor's own public pages, checked Nov 12, 2026 and linked under Sources. Forsured is one of the eight tools, so we've described our own review the same way.

The four depths of endorsement review

Depth 3 is where most construction gaps get caught, because that's where blanket additional insured wording, "where required by written contract" limits and completed operations language live. Depth 4 is worth paying for on high-risk work, where an exclusion in the policy can take away what the endorsement gave.

Where each tool lands

Forsured: reads the wording against the project's requirements

Forsured reads each certificate and endorsement against the requirements of the project the contractor is on, including project-level exceptions. Each gap comes with its reason, such as a missing ongoing operations additional insured endorsement (CG 20 10), a completed operations endorsement that doesn't match the project, or an umbrella below the required aggregate. The contractor's broker sees the requirement, the document and the project in one shared workspace. AI finds and explains each issue, and a person on your team approves or waives it.

PINS Advantage: reads the wording, with the page linked

PINS Advantage say their AI reads every endorsement in full and "confirms ongoing and completed operations coverage, including whether a CG D3 81 meets a CG 20 10 and CG 20 37 requirement." They check primary and noncontributory and waiver of subrogation wording, and flag restrictive language such as privity of contract limits. Each answer is pass, fail or needs review, with reasoning and a link to the exact page. Their line on depth: "the wording matters more than the form number." Nothing is auto-approved.

TrustLayer: reads the wording, rolling out by plan

TrustLayer's Enhanced Endorsements check for additional insured language and common equivalents, primary and noncontributory, waiver of subrogation on general liability, auto and workers' comp, completed operations wording, blanket versus scheduled requirements, and project, location or owner clauses. They also check that an endorsement is actually included, not just referred to. The result shows where the language appears and why it matched or didn't, and a person reviews it. TrustLayer say the feature is rolling out in phases and availability can depend on your plan.

illumend: reads the wording, and AI decides

illumend, the AI platform from myCOI, say their AI, Lumie, "reads every endorsement, every time, line by line," including additional insureds, waivers of subrogation, primary and noncontributory and per project aggregates, and checks them against your contract. Lumie makes each compliance decision itself and escalates only what it can't resolve. In their Procore integration, your team confirms the result.

Billy: flags missing required endorsements

Billy's AI review assistant flags missing endorsements by form: CG 20 10, CG 20 37, waiver of subrogation and primary and noncontributory, plus missing additional insured language, and tells the vendor how to fix it. On the managed plan, their CRIS-certified team reviews every certificate and endorsement. Their pages don't say whether the AI reads endorsement wording or checks for the form.

bcs: names the endorsement type, with full review on full service

The bcs ai page describes "instant endorsement type identification" and a question and answer walkthrough of the document, and says nothing the AI concludes is applied automatically: a compliance analyst signs off. bcs's full-service plan adds full policy reviews covering endorsements and description of operations language.

Certificial: names the endorsement and pulls key fields

Certificial's EndorsementIQ pulls the carrier, form number, policy numbers and exclusions from each endorsement so you can accept or reject it against your own criteria. Their page doesn't say how far it reads the wording.

Jones: reads full policies as an add-on

Jones's AI and insurance specialists review COIs and required endorsements, and their Policy Review add-on reads full policies for exclusions: up to five pre-agreed exclusions on Standard, and relevant exclusions and restrictions on Comprehensive. It's the only tool here that describes reading the policy itself as a product feature.

Five questions to ask in a demo

1. Show me a CG 20 10 with no CG 20 37. Does the tool flag the missing completed operations coverage, or pass it because "additional insured" is present?
2. Show me a blanket additional insured endorsement. Does it read the "where required by written contract" language and check it against your subcontract?
3. Show me a substitute form. A carrier's own form in place of an ISO form should be judged by its wording, not failed or passed on the form number.
4. Where's the proof? Ask to see the page and the language behind each pass or fail.
5. Who signs off? Decide whether you want AI deciding on its own, a person on every result, or a managed team doing the review for you.

State rules can change what you're allowed to require, so check contractor insurance requirements by state before you build your endorsement checklist. For pricing, Procore and broker follow-up across the same eight tools, see the full COI tracking software comparison.

About this guide

This guide was written by the Forsured team. Forsured makes one of the eight tools described here. No vendor paid to be included or saw this page before it was published. Every vendor fact comes from that vendor's own public pages as of Nov 12, 2026. Products change, so confirm the details with each vendor.