Provisions

Provisions are special endorsements and policy conditions that go beyond basic coverage limits. Inori tracks four key provisions that are standard in commercial insurance requirements.

Additional Insured

Requires the vendor's policy to name your organization (or a specific entity) as an additional insured. This extends the vendor's liability coverage to protect your organization against claims arising from the vendor's work.

The AI checks the certificate's Additional Insured checkbox and compares the named entities against your project's additional insured list.

Waiver of Subrogation

Prevents the vendor's insurance carrier from seeking reimbursement from your organization after paying a claim. This is critical for avoiding post-claim litigation between insurance companies.

The AI checks for the Waiver of Subrogation indicator on each applicable coverage line.

Primary & Non-Contributory

Requires the vendor's policy to pay first (primary) and without seeking contribution from your organization's insurance. Without this, both policies might share the cost of a claim.

Notice of Cancellation

Requires the vendor's insurer to notify your organization if the policy is cancelled. The standard ACORD 25 form defers to the policy's own cancellation provisions, so an endorsed notice period (e.g., 30 days) is needed for binding protection. Your requirements may specify the minimum notice window.

The AI extracts the cancellation notice period (in days) from the certificate and compares it to your requirement.

Configuring Provisions

Provisions are configured in two places within a requirement template:

Global provisions (Additional Insured, Notice of Cancellation):

1. Open a requirement template from Requirements.
2. In the Provisions panel on the right, toggle Additional Insured and Notice of Cancellation.
3. Specify entity names for Additional Insured and the notice period in days.

Per-coverage provisions (Waiver of Subrogation, Primary & Non-Contributory):

1. In the template editor, select a coverage type from the left sidebar.
2. In the coverage panel, toggle WoS and PNC for that specific coverage.
3. Each coverage can have independent WoS and PNC requirements.

When a certificate is missing a required provision, Inori flags it as a compliance gap showing which coverage is deficient.