Is that COI
actually real?
Fraudulent certificates cost businesses millions every year. Our scanner runs 10 deterministic checks on every COI — flagging fake policy numbers, suspicious carriers, expired coverage, and signs of document tampering.
No signup needed. Upload any PDF, PNG, or JPEG.
Scan a COI for fraud
No signup required. See a fraud risk analysis in seconds.
We'll run 10 fraud detection checks on a sample COI with suspicious patterns — you'll see exactly what our scanner flags.
10 fraud checks on every document
Each check is deterministic — no AI guesswork. Clear pass, info, warning, or critical for every finding.
Policy Number Format
Validates policy numbers against known carrier formats for 20+ major insurers.
Carrier Verification
Checks insurer names and NAIC codes against the carrier database.
Date Consistency
Detects expired policies, future-dated certificates, and impossible date ranges.
Limit Plausibility
Flags coverage limits that are unusually round, suspiciously high, or internally inconsistent.
Producer Signals
Checks for free email domains, missing contact info, and suspicious agency patterns.
PDF Metadata
Examines creator tool, modification dates, and metadata anomalies in the document file.
Cross-Reference
Verifies that carrier names match across coverage lines, endorsements, and declarations.
Missing Fields
Detects blank or placeholder values where real data should exist.
Endorsement Integrity
Checks that referenced endorsement forms match the carrier and policy type.
How fraud detection works
Upload a COI
Drop any certificate of insurance — PDF, PNG, or JPEG. ACORD 25 or any standard format.
AI extracts, rules verify
LlamaParse + Claude Vision extracts every field. Then 10 deterministic checks validate authenticity.
Get your fraud score
Instant 0-100 risk score with clear explanations. Clean, Suspicious, or Likely Fraud — in seconds.
Frequently asked questions
Is this really free?
Yes. The public fraud scanner is free with no signup. For compliance checking, custom templates, and scan history, sign up for a free account (5 scans/month) or upgrade to a paid plan.
How is this different from the compliance scanner?
The compliance scanner checks whether a COI meets your specific insurance requirements (limits, endorsements, etc.). The fraud scanner checks whether the COI document itself is authentic — looking for signs of forgery, fake policy numbers, and suspicious patterns.
What makes a COI fraudulent?
Common fraud indicators include: policy numbers that don't match the carrier's format, coverage from unknown or non-existent insurers, impossibly high limits, certificates created with consumer tools like Google Docs, and expired policies presented as current.
Can I use this with my own documents?
Absolutely. Upload any COI as a PDF, PNG, or JPEG. Your file is processed in memory and deleted immediately after scanning — we never store your documents.
Is the fraud score 100% accurate?
No fraud detection system is 100% accurate. Our scanner flags indicators of potential fraud using deterministic rules — not AI opinions. A high fraud score means multiple red flags were found, but you should always verify with the carrier or broker directly.
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Don't accept a certificate on faith
One fraudulent COI can cost you a lawsuit. Verify every document in seconds.