Insurance Certificate Request Agent
Insurance Certificate Request Agent
Certificate of insurance (COI) requests are one of the highest-volume, most repetitive tasks in any insurance operation. Landlords, contractors, and business partners constantly need proof of coverage, and each request requires your team to verify policy details, collect certificate holder information, and issue the document. This AI agent automates the entire intake process, collecting all required COI details through a guided conversation and delivering structured requests to your certificate issuance team.
Insurance Certificate Request Agent
Automating COI request intake reduces processing time, eliminates rework, and frees your service team for higher-value tasks.
Manual COI requests typically require 2-3 back-and-forth exchanges to collect missing information, adding 24-48 hours to the issuance timeline. By capturing all required details upfront in a guided conversation, the AI agent cuts the average request-to-issuance time by 50-60%. For agencies issuing hundreds of certificates monthly, this translates to significantly faster service and fewer complaints from certificate holders waiting on proof of coverage.
Industry surveys indicate that 30-40% of COI requests require rework due to incomplete or incorrect certificate holder details, missing additional insured requirements, or wrong coverage lines. The AI agent's structured intake with real-time validation and mandatory fields reduces rework requests to under 10%, saving your team an estimated 5-8 hours per week on reprocessing.
Processing a COI request manually, including phone calls, emails, and data entry, costs an estimated $8-15 per certificate. Automating the intake step through an AI agent reduces the per-certificate cost by 40-60% by eliminating manual data collection. For an agency processing 500 COI requests per month, that represents $2,000-4,500 in monthly savings on intake labor alone.
Insurance Certificate Request Agent
features
Capabilities designed to handle the unique requirements of certificate of insurance requests at scale.
The agent's question flow maps to the standard ACORD 25 Certificate of Liability Insurance format, including fields for certificate holder, additional insured status, coverage types, policy numbers, and effective dates. This alignment ensures your issuance team receives data in a format they can process immediately without reformatting.
When a certificate holder requires additional insured status, the agent collects the specific endorsement type needed (blanket vs. scheduled), the relationship description, and any required waiver of subrogation language. These details are the most common source of COI rework, and capturing them upfront eliminates back-and-forth between your team and the requesting party.
Many COI requests involve multiple coverage lines. The agent walks the requester through each applicable line, including general liability, commercial auto, umbrella or excess liability, and workers' compensation, collecting the specific limits and policy numbers they need displayed on the certificate. This prevents incomplete requests that require follow-up.
For businesses that need certificates for multiple projects or locations, the agent supports sequential entry of multiple certificate holders in a single session. This is particularly valuable for contractors and property managers who regularly need dozens of COIs issued for new job sites or lease agreements.
Insurance Certificate Request Agent
Collect every detail your certificate issuance team needs through a single guided conversation.
Insurance Certificate Request Agent
FAQs
The agent collects the policyholder's name and policy number, certificate holder's full legal name and mailing address, additional insured requirements and endorsement type, coverage lines to include (GL, auto, umbrella, workers' comp), and any special language such as waiver of subrogation. All fields align with the standard ACORD 25 certificate format.
Yes. Tars integrates with Salesforce, HubSpot, Google Sheets, and custom endpoints through Zapier and webhooks. Completed requests can be pushed directly to your certificate management or agency management system in a structured format, ready for your issuance team to process without manual data entry.
When a requester indicates that the certificate holder needs additional insured status, the agent collects the endorsement type (blanket or scheduled), the relationship between the parties, and any required waiver of subrogation language. This is the most common source of COI rework, and capturing it in the initial request prevents costly back-and-forth.
Tars is SOC 2 Type 2 certified with all data encrypted in transit and at rest. Conversation data is stored securely with full audit trails, meeting the data handling standards expected in the insurance industry. Role-based access controls ensure only authorized team members can view request details.
Yes. The AI agent operates 24/7, so policyholders and their business partners can submit certificate requests at any time. Requests submitted overnight or on weekends are queued and delivered to your issuance team as soon as they are available, ensuring no requests are lost to voicemail or unanswered emails.
Most insurance agencies can deploy the agent within a few days. The conversation flow is pre-configured with standard COI intake fields, so setup primarily involves connecting your CRM or certificate management system, adding your branding, and adjusting any agency-specific fields. No technical development is required.
Yes. The agent walks the requester through each applicable coverage line sequentially, collecting policy numbers, effective dates, and limits for general liability, commercial auto, umbrella or excess, and workers' compensation. This ensures the resulting certificate includes all required lines without the requester needing to submit separate requests.
Certificate requests are time-sensitive; a contractor cannot start work without proof of coverage, and a landlord needs the COI before a lease is signed. Automating the intake process reduces turnaround from days to hours, eliminates the frustration of incomplete requests requiring follow-up calls, and gives requesters a self-service option available around the clock. Agencies report measurably higher satisfaction scores for certificate services after deploying the AI agent.
Privacy & Security
At Tars, we take privacy and security very seriously. We are compliant with GDPR, ISO, SOC 2, and HIPAA.
Email - sales@hellotars.com
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