Compliance and disclaimers

Example: the certificate says “additional insured per attached endorsement” and nothing is attached. The score fails. We do not call the carrier.

1. A certificate of insurance is not the insurance policy. ACORD forms do not amend coverage.
2. COIOps scores documents against your requirement templates. This product does not independently verify live coverage with the carrier. The label is “document score,” not “coverage confirmed.”
3. Not a law firm, broker, or TPA. Operational assistance only. Not legal advice and not a coverage opinion.
4. Altered PDFs. The sample can flag a file for a person to review. There is no cryptographic authenticity check.
5. Payment holds depend on subcontract or vendor agreement language. Software status is not a legal right to withhold.
6. Overrides in the sample require a reason and an actor on the audit log. That log is not a compliance pack export. Export is not built.