Insurance Strength,
Quantified.
A certificate tells you a policy exists. PolicyStrength reads the entire stack — declarations, endorsements, exclusions — and scores what the certificate can't show you.
The Problem
A COI is a gate.
PolicyStrength is a flashlight.
A certificate of insurance proves one thing: on the day it was issued, a policy existed. It says nothing about what that policy actually covers — or what an endorsement quietly carved out. The coverage gaps that sink a claim live in the pages nobody reads: the exclusions, the sublimits, the conditions buried in the policy stack behind the certificate. That's where PolicyStrength looks.
Measure. Verify. Build with Confidence.
PolicyStrength ingests the full policy stack — declarations, endorsements, exclusions, schedules — not just the certificate. It scores every stack deterministically: the same stack produces the same result every time, no judgment calls. The output is a plain-language verdict — what's verified, what's missing, and what it means for the work you're about to award.
Two vendors. One is protecting you. One isn't.
Every cell is a binary, documented fact from the vendor's policy stack — verified, contract-only, or absent. Facts you can't contest.
The Document
One of these documents disclaims itself.
Read the top of any certificate of insurance. The form says it plainly: it is issued as a matter of information only, and it confers no rights on the holder. The industry's universal proof of coverage opens by telling you it proves nothing.
The PolicyStrength Scorecard is a different kind of document. It is the dated, engagement-specific output of a deterministic engine that read the actual policy stack — declarations, endorsements, exclusions, carrier paper, layer structure. Where the certificate disclaims, the Scorecard states: a score, a verdict, and exactly where the stack is weak.
A Scorecard is not evidence of insurance and confers no coverage rights — no document should pretend to. It is something a certificate has never been: a measurement.
The Methodology
Explicit. Binary.
Built on discipline.
Every PolicyStrength Index is produced by a deterministic scoring engine — the same stack scores the same every time, for every vendor, with no discretion in the number. The engine evaluates five structural dimensions of the policy stack, verifies six contract-critical endorsements as binary documented facts, and applies qualification gates: when a foundational coverage line is missing or a carrier falls below the rating floor, the verdict is capped — no matter how strong the rest of the stack scores. The score is the machine's. The relationship decision is yours. That separation is the point.
The Scope
Insurance Readiness Infrastructure.
PolicyStrength evaluates five dimensions of every policy stack — coverage completeness, limits adequacy, layer integrity, carrier quality, and relevance to your actual exposure — then applies qualification gates that cap a verdict when a foundational line is missing or a carrier falls below the floor. The result is a single PolicyStrength Index, an endorsement register, and a plain-language verdict. Whole-stack analysis. Six machine-detectable endorsements. Carrier-rating floors. Structural trust, quantified.
Insights
Doctrine, not content.
Why a Certificate of Insurance Isn't Enough
A certificate proves paperwork exists. Not protection.
Read →
The Six Endorsements That Decide Whether Risk Actually Transfers
Six binary checks decide whether risk moves — or stays.
Read →
What a PolicyStrength Index Measures — and Why It's Deterministic
Same stack, same score, every time. Here's why that matters.
Read →
Questions
Straight answers.
- Is a certificate of insurance proof of coverage?
- Read the top of one. The form states it is issued as a matter of information only and confers no rights on the holder. A COI is a courtesy notice prepared on the vendor's side — not a promise, not a contract, not proof.
- What's the difference between a COI and the actual policy?
- The certificate is a one-page summary of what the vendor's side says exists. The policy stack — declarations, endorsements, exclusions, carrier paper — is what actually responds when something goes wrong. The two can disagree, and when they do, the stack wins.
- How do you verify a vendor's insurance?
- Not with a certificate. Verification means reading the policy documents themselves: the declarations pages, the endorsements that grant or quietly withdraw protection, the exclusions buried in the forms. That's what a PolicyStrength review reads.
- What is the PolicyStrength Score?
- A 0–100 index of policy-stack strength across five dimensions: coverage adequacy, endorsement quality, carrier strength, exclusion exposure, and structural integrity. Deterministic engine output — the same stack produces the same score, every time.
- Is a Scorecard proof of insurance?
- No — and neither is a certificate. A Scorecard is measurement: a dated, engagement-specific record of what the policy stack actually contains and how strong it is. It confers no coverage rights and replaces no legally required document. It answers the question the certificate can't.
- Is PolicyStrength a COI tracking software?
- No. COI trackers collect certificates and check boxes against a requirement list. PolicyStrength reads the stack itself and scores its strength. A tracker tells you a document arrived. The Score tells you what's behind it.
- Who sees a vendor's Score?
- The client who requested the review. Scores are engagement-scoped and never shared across clients. A vendor with a strong Score is free to share it — most want to.