Success message
Error message
Certificates of Insurance are often treated like routine paperwork, but errors, omissions, and misrepresentations on a certificate can create serious compliance issues and leave property owners, associations, managers, and contracting parties exposed.
I provide independent Certificate of Insurance review services focused on Georgia statutory compliance, ACORD certificate integrity, and risk transfer documentation accuracy. My work is designed to help identify discrepancies between the certificate presented and the insurance requirements being requested, relied upon, or contractually required.
These reviews are advisory in nature and intended to flag compliance gaps, documentation defects, and potential risk exposures based on applicable Georgia statutes, administrative rules, and recognized industry standards, including ACORD usage guidelines.
Each review is limited to the certificate itself, the information shown on the face of the form, and the insurance requirements provided for comparison. The purpose of the review is to identify documentation problems and compliance concerns, including:
My independent COI compliance review includes:
Review of the certificate against applicable Georgia laws, regulations, and administrative standards relevant to insurance documentation and representations.
Evaluation of whether the certificate appears properly completed and consistent with standard ACORD form usage expectations.
Identification of obvious inconsistencies, unsupported statements, incomplete entries, or representations that may be misleading on the face of the certificate.
Comparison of the certificate to stated insurance requirements in contracts, vendor agreements, management agreements, bid documents, or compliance checklists.
A concise written summary outlining identified discrepancies, concerns, and documentation deficiencies.
Practical recommendations for follow-up, correction, clarification, or additional documentation requests.
Important Limitations
This service is limited to identifying discrepancies, inconsistencies, omissions, or misrepresentations between the certificate and stated insurance requirements.
I do not:
determine actual coverage
guarantee insurance protection
confirm endorsement issuance unless independently provided
interpret policy intent beyond the face of the certificate and referenced policy information
provide legal advice
act as a claims adjuster, coverage counsel, or underwriting authority
A Certificate of Insurance is not the policy itself, and certificate review should never be treated as a substitute for full policy and endorsement review when higher-risk exposures are involved.
This service may be especially helpful for:
Homeowners associations
Property managers
Townhome and community associations
Contractors and subcontractor compliance programs
Attorneys needing documentation review support
Risk managers
Real estate and development groups
Vendors requiring independent certificate review processes
COI review services are billed on a per-certificate basis.
$20 per certificate $400 per 25 certificates
Every certificate review includes:
Statutory compliance review under Georgia law
ACORD form integrity review
Accuracy and misrepresentation checks
Contract versus certificate comparison
Written findings summary
Remediation recommendations
Too many organizations rely on certificates at face value without confirming whether the document actually supports the requirements being imposed or relied upon. A certificate may look complete while still containing entity mismatches, unsupported wording, omitted information, or misleading representations.
An independent review helps create a more defensible compliance process by identifying documentation issues before they become contract disputes, uninsured losses, or liability problems.
If you need an independent review of one certificate or a larger batch for compliance screening, I offer efficient, advisory-only COI review services focused on documentation integrity, Georgia compliance concerns, and practical remediation guidance.
Contact me to submit your certificates and stated insurance requirements for review.