How AI Is Changing Certificate of Insurance (COI) Processing

COIs are simple-until you have 300 in your inbox on Monday. For MGAs, agencies, and carriers, issuing certificates isn’t optional. But it also shouldn’t be manual. AI is now transforming COI processing from a reactive mess into a fully automated workflow.

Traditional COI Processing: Time-Consuming, Error-Prone

A standard COI request requires:

• Reading email
• Validating insured and policy
• Locating the correct form
• Issuing from your AMS
• Emailing it back or uploading to a portal
• Logging for audit

Multiply this by 10,000 per year-and you’ve got a problem.

How AI Fixes It

Selectsys uses GPT-based automation and AI OCR to:

1. Read incoming emails
   Detect subject line and COI-specific language
2. Extract insured + request details
   “Need a certificate showing XYZ as additional insured”
3. Match to correct policy inside AMS
   AMS360 / Applied Epic / Expert Insured
4. Create the task and trigger the COI process
   Or issue it directly via Selectsys BPO if authorized
5. Send back to broker / insured with log entry

Real Impact by the Numbers

In the Value Flywheel, automation speeds handoffs while the BPO pod closes the loop.

Bonus: The AI Doesn’t Just Work at Night-It Works 24/7

COIs come in anytime. So does Selectsys. With AI routing and 24/7 ops, your Monday morning queue doesn’t exist anymore.

You Don’t Need More Staff. You Need Smart Routing.

Let Selectsys AI read your COI requests and process them while you sleep.

Try a 30-day pilot.

Request Demo →

FAQ

What if the COI request is missing data?

AI flags it for follow-up or sends a templated reply for missing info. Humans don’t touch it until it’s complete.

Can you issue COIs directly in our system?

Yes. Our BPO team works inside AMS360, Applied Epic, or your AMS to issue, send, and log the certificate.