Case file · CY-2026-01847
One request, followed the whole way through.
A real certificate request lands at 9:41 AM. It moves through five stations and leaves as a verified ACORD 25, issued in seconds instead of the better part of an hour. This page walks the same rail the request rides.
09:41:02 · It arrives
Start where the request already lives
A holder emails your desk, a client fills your form, or the AMS pushes one over. Coily meets the request in Outlook, Gmail, or the dashboard. Nothing gets retyped, nothing gets re-keyed.
- Reads the original email
- No new portal to babysit
- Works beside your AMS
Certificate request: Meridian PM
Please provide a COI naming us as additional insured, waiver of subrogation, $1M/$2M GL for janitorial at 400 Commerce Park Dr, needed by Friday.
09:41:06 · Coily reads it
Every requirement, pulled and scored
The AI extracts the holder, the insured, each coverage line and limit, and every provision (additional insured, waiver of subrogation, primary & non-contributory), then scores its own confidence on each field before anything moves forward.
- Finds the clause buried in ¶14
- Two requirements, not one
- Low confidence → a human
09:41:12 · FormLock verifies
Checked against the policy record, form by form
Requirements match to the insured's live policies, and every provision is checked against the policy record on file, matched to the endorsement form number wherever the policy records one. FormLock fails closed: if the record doesn't back it, Coily won't assert it.
- CG 20 10 vs CG 20 37: caught
- Expired policy: flagged
- Unbacked waiver: refused
09:41:16 · It issues, or it asks
Verified issues in seconds; unsure asks a human
Clean requests draft a compliant ACORD 25 and issue on the spot. Anything ambiguous routes to a licensed professional with the exact question attached. The fast path and the correct path are the same path.
- Issued in seconds
- Ambiguity → routed, not guessed
- Speed never overrides review
Certificate of liability insurance
ACORD 25 · CY-2026-01847
HolderMeridian Property Mgmt
Additional insured✓ CG 20 10
Waiver of subrogation✓ CG 24 04
09:41:17 · Delivered & provable
The holder gets the cert. You get the receipt.
Every certificate ships with a Verification Report: the forms cited, the policy snapshot frozen at issuance, a tamper-evident ID and hash. Eighteen months later you produce the proof; you don't reconstruct it.
- Tamper-evident vrf_ ID
- Policy state frozen forever
- Audits become lookups
reportvrf_9f2ka31mc84
sha-256b3a1…e56f (tamper-evident)
policy statefrozen at issuance
forms citedCG 20 10 · CG 24 04
09:41:17 · delivered, logged, provable
Where it meets your day
One engine. Wherever the request shows up.
Gmail add-on
The same one-click issuance in the Gmail side panel.
Dashboard
Queue, clients, policies, certificates. All verified and logged.
API & AMS
Issue programmatically; Enterprise keys, webhooks, connectors.
Seconds
A verified certificate, issued
from the moment the request is read
5/5
Stages on every certificate
read · match · verify · decide · prove
∞
How long the proof lasts
tamper-evident, frozen at issuance
Ready when your next request is.
Start free and issue your first verified certificate today, or talk to us about your desk.
FormLock runs on every certificate, on every plan. No configuration.