Certificate of Insurance Automation (COI Automation)

Certificate of insurance requests are among the most frequent and time-consuming routine tasks in commercial agency and brokerage operations. A single client may require certificates for multiple job sites, projects, or contractual relationships. Across a commercial book, these requests accumulate quickly, consuming account management time that could be directed toward retention and new business.COI automation processes these requests through an AI agent. When a request comes in by phone, email, or web form, the agent identifies the requestor, retrieves the relevant policy details, generates the certificate with the correct named insured, holder, and coverage information, and delivers it to the requesting party. The transaction completes without account manager involvement for standard issuance scenarios.For agencies handling high commercial lines volume, the benefit is direct: CSR time recovered, faster turnaround for clients and certificate holders, and a documented audit trail of every certificate issued. The reduction in manual handling also reduces the error rate on certificate issuance, which carries its own liability implications for the agency.