Open Kitchen

How Inori Works

No black boxes. Here's exactly how we read insurance certificates and find compliance gaps in typically under 30 seconds.

The Pipeline: PDF to Compliance Score

PDF Upload

You upload an ACORD 25 certificate (PDF). The file is read into memory and prepared for analysis. No data is stored until analysis completes.

AI Vision Extraction

The PDF is analyzed by a specialized AI vision model that reads every field on the certificate. Structured extraction ensures reliable, consistent output across all document formats.

Extraction Guard

The AI output passes through a validation guard that checks data types, required fields, and structural integrity. Malformed extractions are rejected before reaching the compliance engine.

Compliance Engine

Extracted fields are compared against your requirement template. Each coverage line, endorsement, and provision is checked against your minimums. Gaps are categorized as critical or advisory.

Result + Broker Letter

The compliance result is returned with a score, detailed gap list, and (if non-compliant) a pre-drafted broker letter explaining exactly what coverage needs to be updated.

Database Persistence

Certificate data, extraction results, compliance checks, and audit trail are saved securely with tenant isolation ensuring your data is never visible to other organizations.

89 Fields Extracted from Every ACORD 25

Our AI reads every section of the certificate — not just the obvious fields — across four core coverage types: GL, WC, Auto, and Umbrella.

Producer / Agent

4 fields

+ Agency name & contact
+ Producer license number
+ Phone, fax, email

Named Insured

5 fields

+ Insured name
+ Business address
+ Policy holder details

General Liability

12 fields

+ Each occurrence limit
+ General aggregate
+ Products-comp/op aggregate
+ Personal & advertising injury

Automobile Liability

8 fields

+ Combined single limit
+ Bodily injury per person
+ Property damage
+ Any auto / hired / non-owned

Umbrella / Excess

6 fields

+ Each occurrence
+ Aggregate
+ Retention/deductible
+ Umbrella vs excess type

Workers Compensation

8 fields

+ Statutory limits
+ Each accident
+ Disease (each employee)
+ Disease (policy limit)

Description of Operations

15 fields

+ Additional Insured status
+ Waiver of Subrogation
+ Primary & Non-Contributory
+ Project/location reference

Certificate Holder

4 fields

+ Holder name & address
+ Holder relationship to insured

Policy Details

20 fields

+ Policy numbers (all lines)
+ Effective & expiration dates
+ Carrier names & NAIC codes
+ AM Best ratings

Endorsements & Provisions

7 fields

+ CG 20 10 (Additional Insured)
+ CG 20 37 (Completed Operations)
+ WC 00 03 13 (Waiver of Subrogation)

How Compliance Is Calculated

After extraction, every field is compared against your requirement template. The compliance engine checks:

Coverage limits — Is GL at least $1M/occurrence? Is WC statutory?
Additional Insured status — Is your organization named as Additional Insured (not just Certificate Holder)?
Waiver of Subrogation — Is the waiver in place for GL and WC?
Expiration dates — Are all policies current? Any expiring within 30 days?
Primary & Non-Contributory — Is your coverage primary, not excess?
Carrier rating — Is the carrier rated A-VII or better by AM Best?

Each check produces a pass/fail result. Gaps are flagged with severity (critical vs. advisory) and a plain-English explanation for vendor communication.

What Our AI Gets Wrong

We believe in transparency. Here are the known limitations:

Low-quality scans

Heavily degraded, skewed, or handwritten certificates may have lower extraction accuracy. We recommend uploading digital PDFs when possible.

Non-standard forms

Our AI is optimized for ACORD 25 and ACORD 27/28. Non-standard certificate formats (carrier-specific forms, international certificates) may have reduced accuracy.

Endorsement verification

We detect endorsement form mentions (CG 20 10, CG 20 37, etc.) in the Description of Operations, but we do not yet validate them against specific form provisions. Full endorsement-level validation against our 2,490-form index is on our roadmap.

Real-time policy status

We verify what's ON the certificate. We cannot detect mid-term policy cancellations or coverage changes that happen after the certificate was issued.

Multi-page certificates

Certificates with supplemental pages are processed but complex multi-page layouts may occasionally miss fields on continuation pages.

~30s

Typical extraction time

ACORD 25 fields extracted

1/100th

Cost vs. manual review

AI Disclosure: Inori uses artificial intelligence to analyze certificates. AI-generated results should be reviewed by a qualified professional before making compliance decisions.

Ready to see it in action?

Start Free See Pricing