Endorsement Review by licensed insurance professionals.
Certificates confirm endorsements exist. We evaluate whether the forms actually provide the terms required to transfer risk, and work with brokers to resolve what falls short. All on a platform that makes every finding and action visible to your team.
Trusted by general contractors, real estate operators, public entities, and the brokers and carriers that work alongside them.
The certificate lists the endorsement. Only the form tells you it works.
The form in your file might be the wrong edition, written for the wrong entity, or generic where your contract requires specificity. Verifying what an endorsement actually says requires expertise compliance software can't deliver on its own.
The core endorsements that decide whether coverage responds.
We read the endorsement forms, verify they protect your organization, and work on your behalf to resolve the gaps.
Additional Insured Ongoing Operations
The right form, naming the right entity, covering the work being performed. Verified against your contract, not just indicated on the certificate.
Additional Insured Completed Operations
Coverage after the work ends, when claims often surface. Verified to ensure the coverage extends beyond active work.
Waiver of Subrogation
The carrier's right to pursue your client for losses they paid out, waived. Verified that the waiver is genuine, current, and matches your contract.
Primary and Non-Contributory
Confirms the third party's policy pays first and won't seek contribution from your own coverage. Verified against your requirements.
Additional endorsements: any other endorsement or industry specific form critical to your risk management strategy. If your contract specifies it, we verify it.
The right call when the details decide it.
When the endorsements are what stand between you and a denied claim, we read the forms, verify they match your contract, and resolve what doesn't.
The right depth matched to the scope of work. Our team helps helps you set the level for each relationship.
The platform your insurance compliance runs on.
Docutrax is the system of record for your third-party insurance compliance. Every form, finding, and resolution retained and time-stamped for the full life of your exposure.
A claim can land years after a relationship ends. Be prepared with the proof of which endorsements were in force, what they said, and who verified them. Your operational systems won't have it. Their broker or agent won't keep it. We will.
Built for how you want to operate.
Endorsement Review is available across three engagement models. Same platform, same expert depth where you need it. The choice is how much of the operation you want us to run.
Beyond what AI-based verification can reach.
AI reads what's printed on the form. It doesn't know the edition, can't authenticate the document, and won't pick up the phone. Here's where that shows.
AI-Based Endorsement Verification
Docutrax Endorsement Review
Certificate collection
Automated renewal tracking
Document storage
Reporting dashboard
Integrations (API, SFTP, webhooks)
Varies
Licensed insurance professional review
Active remediation with third parties and brokers
Limited
Multi-stakeholder views (broker, carrier, operating)
Limited
Retention beyond the relationship lifecycle
Custom requirements per relationship
Limited
US-based dedicated Account Manager
Endorsements verified the way claims will test them.
Common questions about working with Docutrax.
The certificate already shows Additional Insured status. Why review the endorsement?
Because the certificate only claims it; the endorsement is what grants it. Coverage is modified by the endorsement document attached to the policy, and whether you're actually protected depends on its form, its wording, and who it names. We collect the endorsement documents themselves and verify each one against what your contract requires, so your protection rests on the language that governs, not a summary of it.
What can go wrong with an endorsement even when the certificate looks right?
More than most people expect. To name a few: the endorsement can name the wrong entity, or miss the ones your contract requires. It can cover ongoing operations but not completed operations. It can be an edition of the form that grants narrower protection than the one your contract calls for, or carry wording that quietly limits what looks like full coverage. Every failure on that longer list is invisible on a certificate and decisive at claim time, and catching all of them is what this review is built for.
Why does the edition of an endorsement form matter?
Because the same form number grants different protection depending on the edition. Endorsement forms are revised over time, and later editions have narrowed coverage in ways that matter. Completed operations and the causal connection required between the named insured's work and the injury are two of the most consequential. Your contract may require broader protection than the edition supplied actually grants, so we verify the specific form and edition, not just that an endorsement exists.
Which endorsements do you review?
Whatever your contracts and your risk management strategy require. Most programs center on Additional Insured endorsements for ongoing and completed operations, Primary and Non-Contributory wording, and Waivers of Subrogation, including the workers' comp waiver. Contract-specific endorsements are added to your requirement profile and verified on every submission, and your profile evolves as your contracts and strategy do.
What happens if a required endorsement is missing or incorrectly worded?
The vendor receives a cure notice: what's missing or defective, what the contract requires, what needs to change. Our team works the gap to resolution, engaging the vendor and their agent directly, until the correct endorsement is in place, with every touchpoint documented. Your team sees the status. We close the coverage gaps.
Which vendors need endorsement review, and which are fine at certificate level?
That's a calibration we make together, based on the scope of work, the severity of what could go wrong, the jurisdiction, and the insurance language in your contracts. Where your contracts require specific endorsements, verifying the actual documents is what makes those requirements real. Where they don't, certificate review carries the relationship.
How is endorsement review different from full policy review?
They're built for different exposure. Endorsement review confirms the protections your contracts require are in place, correctly worded and correctly scoped, and it applies to any third-party relationship: vendors, contractors, tenants. Full policy review is a different discipline, conducted under our proprietary insurance evaluation methodology built around construction risk and high-risk scopes of work, where the policy's exclusions, conditions, and definitions carry the most consequence. The nature of the work determines which one the relationship calls for.
How does pricing work?
Three independent dimensions: how much of the operation you place with our team, how deep the review goes, and the size of your vendor population. Adjust any one without changing the others. No surprise fees. See Ways to Work With Us or talk to our team.
Bring your insurance verification under one managed operation.
Start with a conversation with a team that reads endorsement forms for a living. We'll walk through your third-party base, your contract requirements, and your existing operation, then show you how we'd run endorsement review the way your operation demands.
Send us a few of your third parties' endorsements and we'll review them, free, and show you exactly what your certificates have been hiding.