COI review
How to spot a fake or altered certificate of insurance — and why GCs are the last line of defense
A quick review process catches obvious COI problems before the file becomes jobsite risk.
Start with the basics
Compare the legal name, policy dates, limits, certificate holder, and project details. Small mismatches often point to old or edited files.
Watch for edits
Uneven fonts, shifted dates, fuzzy logos, and inconsistent spacing deserve a second look. Ask the agent or carrier for confirmation when the file looks off.
Check the endorsements
A checked box does not always prove additional insured status. If the contract requires an endorsement, collect that document too.
Fast checklist
- Match the sub name to the contract.
- Confirm active dates.
- Review limits and holder details.
- Store the review result.