This will bring you to the Certificate Editor, where you can add and remove the windows that appear. You can have an few as one window, and as many as four – depending on your viewing preference.

Customizing the Certificate Editor View

To view additional windows, in the upper right corner select the “Add Column” dropdown.

Select the window you wild like to view, and an additional window will appear on the screen.

The image below is an example of the user viewing the maximum number of windows, in this case viewing the Insurance requirements, the ACORD form, the contract that was uploaded, and the attached internal Documents.

The dropdown at the top of each window will allow you to switch to any window that is not currently displayed. Simply click the dropdown and select a different window’s content to view.

If you would like to close out of one of the windows to reduce the number of items on the screen, you can click the X in the upper right corner of the window.

You can continue to click this X until you have the number of windows on the screen that fits your preferred view.

Depending on the number of windows you are viewing, you can also change the view of your window by selecting one of the tabs at the top of each window.

Certificate Editor Views

Notes

Displays notes pertaining to the Insured and the Certificate.

History

Displays an audit of activities related to the certificate.

Documents

Displays any internal documents uploaded by an agency that helps support the issuance of a certificate for the Insured the user is processing in.

Contract

Displays a copy of the contract that was uploaded.

Insurance

Displays a breakdown of the insurance requirements extracted from the uploaded contract.

Certificate

Displays the ACORD Form selected with applicable lines of business and coverages populated, with a real time preview of updates made while processing the certificate.

Query

AI-powered chat, allowing a user to chat directly with the contract.

ACORD Form Blue Selectors

Once you have selected the ACORD Form, within the certificate view, you will see in real time any additions and edits you make to a certificate. Anything with a BLUE selector is an area within the certificate you can interact with.

You can customize or modify your certificate of insurance by choosing any of the following blue selectors:

Agency contact name, number, and email
Named Insured
Certificate policies
Description of Operations
Certificate Holder
Signature

Contracts Window

When a contract is uploaded, a copy of the contract will be available for reference within the Contract window.

From here, you can scroll through and review the contract you just uploaded, as well as confirm you have uploaded the correct one for the request you are working on.

Contract Search

When you select to view the Contract, you are provided the ability to search within the contract. With this feature, even unstructured PDFs are now searchable, allowing you to quickly find specific information in your uploaded document.

To use this feature, click the search icon in the upper left corner of the Contract window. Enter a word or phrase in the search box, and the system will highlight all instances in yellow, making it easy to locate across pages.

Contract Quick Finds

Also within the Contract view, you are provided an easy to use Quick Finds dropdown. These Quick Finds are Pre-found AI concepts, allowing you to quickly jump to commonly required criteria, for example: Additional Insured status, or the AM Best Rating.

When you select one of the quick finds options from the dropdown, you will be directed to that section of the contract, with the requirement highlighted yellow.

The image below is an example of a user selecting AM Best Rating from the Quick Finds dropdown, with the contract view updated to show the rating within the contract, highlighted yellow for easy reference.

Contract Query

Within the Query view, you can “chat” with the contract. Simply ask a question, and the system will extract relevant information for you. Your queries can cover both insurance and non-insurance topics—if the information is in the contract, this feature can find it.

The image below shows an example of a chat conversation with a contract. In this example, the user inquires about the Additional Insured status, the Waiver of Subrogation status and the project information.

Certificate Hero’s AI behind the chat feature is intuitive enough to recognize common abbreviations (e.g., GL for General Liability and WOS for Waiver of Subrogation), understand variations in formatting (such as full questions versus brief phrases), and accurately respond to misspellings.

The Query window can also pop-out from the window it begins in. In the upper right corner, click the icon to pop-out the chat box.

Once the chat box modal appears, you can move it around the screen.

You can either click the X in the upper right corner to close the chat box or click the icon to collapse the modal back into your view.

Insurance Requirements Window

When a contract is uploaded, it is run through the Certificate Hero software. Through this, the insurance requirements of that contract are isolated and extracted. Certificate Hero will then break down the insurance requirements of the contract by line of business. And then within each line of business, breaks it down further by each coverage that’s being required.

The details of the Insurance requirements will be displayed within the Insurance window.

Line of Business Quick Finds

Within the Insurance view, to the right of the Line of Business you’ll find the policy quick find icon.

Clicking the icon will jump you to the appropriate section of the contract.

If you do not already have a view of the Contract window open, one will open for you once you’ve clicked this icon.

The image below is an example of a user that has clicked the policy quick find icon for the Automobile Liability policy. To the left of the Line of Business requirement, you can see the verbiage highlighted within the contract.

This view will also display any compliant and/or non-compliant policies.

Compliant and Non-compliant Coverages

You can expand each LOB to review the coverage requirements extracted from the uploaded contract.

Requirements – Compliant Line of Business (LOB)

A compliant LOB, the LOB will not have a highlighted red boarder. Without a red boarder, it means the policy and coverages meet the insurance requirements found in the contract.

To verify compliance, expand the LOB, and compare the "Contract" column (insurance requirement from the contract) and "Coverage" column (the coverage the Insured actually carries according to AMS integration) to determine where the insured is compliant.

If the coverages match, the "Compliant" column should be marked as YES.

Requirements – Non-Compliant Line of Business (LOB)

A non-compliant LOB will be easily identifiable by a highlighted red boarder.

To view what is not complaint, expand the LOB and a red message in the "Compliant" column should be marked NO to identify which coverage(s) within the policy is not compliant with the contract you uploaded.

You can then compare the "Contract" column and "Coverage" column to determine the areas in which the Insured's policy is not compliant.

If the Insured does not carry a required LOB, this is considered a non-compliant LOB as well. This LOB will also be identifiable by a highlighted red boarder.

When you expand to view how the LOB is not complaint, the "Coverage" column should read "No Coverage".

How Does Certificate Hero Know the Insured's Policy Limits and Coverages?

Certificate Hero is integrated with your agency's Agency Management System. Due to this integration, we can see what the Insured carries, the policy limits and coverages, and put into place important Guardrails to help ensure certificate compliance.

Because your team has already completed the hard part by entering the Insured's policy information and data in your AMS, you do not have to re-enter that information in Certificate Hero. Your agency's AMS will be the one source of truth for nearly all entries and almost all data pulled into Certificate Hero via the integration.

What Automatically Populates on the ACORD Form

Once the ACORD Form type is selected, Certificate Hero will populate every line of business that is requested within the contract on the ACORD form, if the Insured carries the LOBs and based on the default LOB profiles that exist for the Insured.

Additionally, due to the integration with the AMS, only the limits the Insured carries will populate - the system will not populate limits above what the Insured carries, nor will it populate a policy the Insured does not carry.

Can I change the data on the ACORD Form, or am I limited to what populates?

Yes, Certificate Hero allows you to modify any data within the grey selectors that populates on the certificate before completing and issuing it. This includes policies that were automatically populated during the contract upload workflow.

You are not limited to what the system populates. For example, if a contract requires a $10M Umbrella policy but the Insured has only a $5M Umbrella policy set as default, along with a $5M Excess policy, the system will initially populate the $5M Umbrella limit and flag it as non-compliant as the limit is lower than the contract requires for the policy. In this case, you can use the "Add Policy" grey selector to add the $5M Excess policy, bringing the certificate into compliance.

However, if the Insured carries only a $5M Umbrella policy, has no additional coverage, and does not wish to obtain more, the processor can still issue the certificate reflecting the $5M Umbrella policy and proceed with completing it.

Updating the Certificate Fields

To learn how to update any of the fields on the certificate during the processing flow, click the links below:

Selecting the Policies/LOB profiles
Entering the Certificate Holder
Adding verbiage to the Description of Operations
Attaching Endorsements
Named Insured
Agency Contact
Signature

Uploading a Contract

This method will parse an uploaded contract, scan for the insurance clause and extract the required policies.

See below for a full video walkthrough:

To download a comprehensive PDF walkthrough, click HERE.

This guide will review selecting the most common ACORD form, the ACORD 25.

Certificate Editor