COI and Certificate Processing at Scale
Why COIs Still Create the Biggest Bottleneck in Insurance Operations
Certificates of Insurance are small tasks that create huge headaches. Thousands are requested daily, and each must be correct, compliant, and delivered fast. Delays or errors lead to compliance violations, unhappy insureds, and lost renewal opportunities. Most outsourcing vendors treat COIs like data-entry work.
Selectsys doesn’t. We treat them as critical compliance documents, executed inside your AMS, validated by AI, and delivered under guaranteed SLAs.
COI Execution Where It Belongs, Inside AMS
Our teams issue certificates directly inside AMS360, Applied Epic, and Expert Insured, never in separate portals.
That means:
- No manual uploads or imports: all data already exists in policy records.
- Real-time tracking: each certificate request, issuance, and delivery is timestamped.
- Carrier-approved templates: correct wording every time.
- Automated attachment logging: every issued COI is saved to the account file.
Because it’s embedded, compliance and audit history are always complete.
AI Automation Behind Every Certificate
Selectsys Tech powers COI execution with an intelligent automation layer:
- Request triage: AI reads incoming emails and identifies COI requests instantly.
- Prefill automation: Policy number, insured name, coverage limits, and expiration dates populate automatically.
- Carrier template mapping: System matches the correct carrier form automatically.
- Validation: AI cross-checks coverage limits against policy data before issuance.
- Delivery: Certificates send directly to insured or certificate holder, and the record updates immediately.
The result: consistent, compliant COIs in under four hours: no manual sorting or guesswork.
Sub-4-Hour SLA, Guaranteed
Our operational standard is clear:
- Standard COIs issued within 2–4 hours.
- Priority rush COIs handled in 60 minutes or less.
- Dual QA validation on 100 % of certificates.
Live SLA dashboards show turnaround performance for every client in real time.
Learn how embedded execution drives these results in AI-Powered Insurance BPO: Execution Inside AMS, Not Portals.
Eliminating Email Chaos
Traditional COI processing involves multiple inboxes, untracked requests, and missed follow-ups.
Selectsys automation centralizes everything:
- All COI requests route to a single monitored workflow queue.
- AI classifies priority, holder type, and request origin.
- Completion notifications trigger automatically.
- Clients and producers see delivery confirmation inside the AMS.
No missed certificates, no duplicate work, no tracking spreadsheets.
Compliance and Audit Readiness
Every COI includes a full digital trail:
- Request received timestamp.
- Processor name and validation score.
- Carrier form version.
- Delivery confirmation.
This meets carrier, MGA, and agency compliance standards and supports SOC 2 audits effortlessly.
Read how this approach extends across all processes in Audit, QC, and Compliance as a Service.
AI Validation = Zero Coverage Errors
AI automatically flags discrepancies before issuance:
- Expired policies or missing endorsements.
- Out-of-range limits.
- Incorrect additional insured or waiver wording.
Each flagged item routes to a human reviewer with context. This prevents the most common E&O exposures agencies face.
Scaling for Volume Without Extra Headcount
COI volume spikes during renewals and audits. Because our workflows are AI-assisted and system-native, scaling is instant:
- Add users or programs without new logins or training.
- AI routes tasks dynamically based on volume.
- Managers can see load balance across teams.
Growth no longer means hiring, it means activating more automation.
Implementation Timeline
| Phase | Duration | Deliverable |
|---|---|---|
| Workflow Discovery | 1 week | Intake and AMS mapping |
| AI Configuration | 1 week | Email triage and validation rules |
| QA Calibration | 1 week | Dual-review setup |
| Go Live | 1 week | Sub-4-hour SLA operations inside AMS |
You can start processing COIs at scale in less than a month.
Business Impact
- 4× faster COI turnaround.
- 60 % reduction in manual email handling.
- 100 % compliance visibility for carrier audits.
- Zero backlog even during renewal season.
When COIs move fast, everything else in the service chain moves with them.
Get Started
Your insureds shouldn’t wait days for a certificate. Let Selectsys automate and execute every COI inside your AMS, fast, accurate, and fully compliant.
Request a Demo or Start a Pilot to see COI automation in action.
Frequently Asked Questions
Can you handle high-volume COI seasons like renewals?
Yes. Automation dynamically scales processing capacity.
How are rush COIs prioritized?
AI flags them and routes immediately to the next available certified processor.
Do you support specific carrier templates?
Yes. Carrier-approved templates are stored and version-controlled.
Can COIs be issued directly to certificate holders?
Yes, with automated email delivery and record logging.
Is dual QA included?
Yes. Every COI goes through AI pre-validation and human verification.
