All AI Policy & Endorsement Audit ComparisonsFull Policy & Endorsement X-Ray vs. Surface ACORD 25 Tracking

ExclusionRadar vs. ACORD 25 COI Portals: Why Checking a 1-Page Certificate Leaves You Uninsured

Standard certificate trackers verify that a 1-page ACORD 25 COI lists "$1M / $2M"—while completely missing the manuscript exclusions buried on Page 38 of the policy binder that strip away Additional Insured and Completed Operations coverage.

Quick 30-Second Verdict: ACORD 25 COI Trackers vs. ExclusionRadar.com (2026)

When to Choose ACORD 25 COI Trackers ($12,000–$50,000+/yr enterprise workspace):

You are an enterprise compliance team looking for a $25,000/yr database to track expiration dates on thousands of 1-page ACORD 25 certificates.

When to Choose ExclusionRadar.com ($19 One-Time / $0 Free Preview):

You want to audit the actual insurance policy binder, endorsement schedule, or COI attachment package for hidden exclusions—plus use Round-2 Underwriter Pushback defense—without storing your policies in a cloud database.

Capability / Requirement	ExclusionRadar (EndorseIQ™)	myCOI, CertFocus & ACORD 25 COI Tracking Portals
Pricing & Commitment	$0 Free Preview • $19 Single / $29 Deal Pass / $59 5-Pack (Zero Subscription)	$12,000–$50,000+/yr enterprise workspace
Turnaround Speed	60 Seconds (Instant Self-Serve Browser Scan)	Built for administrative COI collection, not deep policy exclusion auditing
Privacy & Data Retention	100% Anonymous • Volatile RAM Only • Zero Account Signup	Centralized cloud database of all vendor documents
Native Word Track-Changes (.docx)	1-Click Native .docx (`<w:del>`, `<w:ins>` & Margin Comments) + Endorsement Rider	Requires full enterprise workspace onboarding
Multi-Hop ISO Endorsement Graph & Round-2 Pushback Mode	Included (Soft, Standard & Hardball Postures + V2 Pushback Re-Audit)	Not included out-of-the-box

An ACORD 25 Certificate Says "For Information Only" — The Real Traps Hide in the Endorsements

Every ACORD 25 Certificate of Insurance states at the top that it confers no rights and does not amend the policy. A subcontractor’s COI can check the "Additional Insured" box while their actual policy contains an ISO CG 20 10 edition requiring direct contract privity, a CG 22 94 subcontractor exclusion, or an Action-Over / Labor Law exclusion. ExclusionRadar audits the actual endorsement forms—and includes Round-2 Underwriter Pushback Mode when a carrier refuses your first request.

Exclusion Trap & ACORD 25 COI Trackers Blindspot

“MANUSCRIPT ENDORSEMENT – INJURY TO EMPLOYEES OF CONTRACTORS OR SUBCONTRACTORS EXCLUSION ("ACTION-OVER"): This insurance does not apply to bodily injury to any employee, temporary worker, or independent contractor of any contractor or subcontractor arising out of work performed for any insured.”

What ACORD 25 COI Trackers does: Surface COI Tracker: Marks vendor "Compliant" because the 1-page ACORD 25 shows a $1,000,000 General Liability limit.

What EndorseIQ™ Catches & Drafts

Catches the manuscript Action-Over exclusion that leaves the property owner and General Contractor 100% exposed to third-party workplace injury lawsuits, and drafts the exact carve-back endorsement.

“Delete the Manuscript Injury to Employees of Subcontractors ("Action-Over") Exclusion in its entirety, or attach an explicit Insured Contract Action-Over Buyback Endorsement preserving full defense and indemnity for upstream Additional Insureds.”

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EndorseIQ™ Policy & Binder Scanner

ACTIVE ENGINE: ENDORSEIQ™ (MULTI-HOP ISO & COVERAGE GRAPH)

1. Select Policy / COI Playbook & Protected RoleAuto-Tailored to Your Protected RoleConstruction GL & Subcontractor • Protecting: General Contractors, Subs & Builders

2. Input Your Document (PDF, Word .docx, Scanned Image, or Text)

Upload PDF / Word (.docx)

Drop PDF / .DOCX anywhere, or press Cmd+V / Ctrl+V to paste policy, COI, or endorsement text

Cmd+V/Ctrl+V

COMMERCIAL GENERAL LIABILITY (CGL) CONSTRUCTION BINDER & ENDORSEMENT SCHEDULE

THIS COMMERCIAL GENERAL LIABILITY BINDER ("Policy") is issued by VANGUARD SPECIALTY E&S INSURANCE CO. ("Carrier") to APEX BUILDERS & MECHANICAL CONTRACTORS INC. ("Named Insured") with limits of $1,000,000 Each Occurrence / $2,000,000 General Aggregate / $2,000,000 Products-Completed Operations Aggregate.

SECTION 1. ENDORSEMENT CG 21 39 — CONTRACTUAL LIABILITY LIMITATION (DELETION OF INSURED CONTRACT).
This Policy is modified by ISO Endorsement CG 21 39. The definition of "Insured Contract" in Section V (Definitions) of Commercial General Liability Coverage Form CG 00 01 is amended by deleting Paragraph f. in its entirety. Consequently, this Policy provides ZERO coverage for any tort liability assumed by Named Insured in any construction subcontract, Master Services Agreement (MSA), AIA contract, or hold-harmless indemnity agreement with an Owner or General Contractor.

SECTION 2. ENDORSEMENT CG 22 94 — EXCLUSION: DAMAGE TO WORK PERFORMED BY SUBCONTRACTORS ON YOUR BEHALF.
This Policy is modified by ISO Endorsement CG 22 94. Exclusion l. (Damage to Your Work) of Section I — Coverage A (Bodily Injury and Property Damage Liability) is replaced to delete the subcontractor exception. This insurance does not apply to "Property Damage" to "your work" arising out of it or any part of it and included in the "products-completed operations hazard," even if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor.

SECTION 3. ADDITIONAL INSURED SCHEDULE — ONGOING OPERATIONS ONLY (OMISSION OF CG 20 37 COMPLETED OPERATIONS).
Blanket Additional Insured coverage for upstream General Contractors and Project Owners is provided exclusively under Endorsement CG 20 10 (Ongoing Operations). Coverage for Additional Insureds terminates the moment Named Insured's active operations at the jobsite cease. Endorsement CG 20 37 (Additional Insured — Owners, Lessees or Contractors — Completed Operations) is NOT attached, leaving Named Insured in breach of all post-completion subcontract insurance requirements.

SECTION 4. MANUSCRIPT ACTION-OVER / EMPLOYEE BODILY INJURY & LABOR LAW EXCLUSION (ENDT. GL-904).
Notwithstanding anything to the contrary in the "Employer's Liability" exclusion, this Policy does not apply to any claim, suit, contractual indemnity demand, or third-party "Action-Over" impleader brought by an Owner, General Contractor, or third party seeking contribution or indemnification for "Bodily Injury" to any employee, leased worker, temporary worker, or employee of any subcontractor of Named Insured (including any claim arising under New York Labor Law §§ 200, 240, or 241).

SECTION 5. MANUSCRIPT RESIDENTIAL, MULTI-FAMILY, MIXED-USE CONVERSION & SUBSIDENCE EXCLUSION (ENDT. GL-918).
This insurance does not apply to any "bodily injury," "property damage," or defense expense arising out of construction, remodeling, repair, or subcontracting work on any tract housing, condominium, townhouse, apartment building, dormitory, or mixed-use building containing residential units, or any structure converted to residential use at any time. Furthermore, all claims arising out of earth movement, soil settlement, underpinning, shoring, or subsidence are excluded in their entirety.

100% Stateless & Private • Replaces a $1,200 – $3,500 Risk Audit attorney review

Frequently Asked Questions: ExclusionRadar vs. ACORD 25 COI Trackers

Can ExclusionRadar help when an underwriter or broker pushes back on my endorsement request in Round 2?

Yes. Switch the scanner to Round-2 Pushback Mode, paste your broker’s or underwriter’s rejection notes (e.g., refusing to remove a Hammer Clause or Coinsurance provision), and EndorseIQ™ will generate middle-ground sub-limit or co-insurance compromises to bind the policy safely.

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