Zurich North America has implemented Certificial’s platform to automate Certificates of Insurance (COI) across its Direct Markets Property & Casualty operations, a move designed to eliminate manual data entry, reduce errors and omissions (E&O) risk, and enhance service for policyholders and certificate holders.
Preliminary results reported by Zurich North America indicate that complex renewal packages are processing over 50% faster within months of the rollout. The Certificial platform facilitates the bulk production of COIs, significantly reducing turnaround times for intricate renewal packages. This collaboration includes an API-driven process initiated from Zurich’s client portal, which aims to remove the necessity for teams to log into multiple separate systems and substantially decrease processing time.
Certificial’s technology enables the generation of complex insurance documents, such as ACORD 28 forms, at scale with minimal clicks. A key feature of the platform is its Smart COI technology. Unlike traditional static COI documents, which reflect an insurance policy at a single point in time, Certificial’s Smart COI syncs source policy data directly to the ACORD form. These Smart COIs automatically update when a policy is canceled, changed, or renewed, consistently pulling the latest data from the original source, such as an Agency Management System (AMS). This provides immediate visibility on cancellations and policy changes to all stakeholders with access to Certificial.
Peter Teresi, CEO and Co-Founder of Certificial, stated, “Our focus is innovation that serves everyone involved in proof of insurance. By combining Smart COI technology with automation capabilities that simply weren’t accessible before, we create a live, data-driven experience that aligns carriers, agencies, policyholders, and certificate holders around a single source of truth—answering a need that has persisted across industries for years.”
The platform automates updates when underlying policy data changes, automatically versions certificates, and consolidates previously manual, multi-system steps. This transforms a process that once took days at renewal into a single, streamlined workflow.
Sheryl Gilbert, Senior Customer Support Manager at Zurich, commented on the implementation, “From the moment I saw Certificial in action, it was obvious that its automation capabilities, like the ability to create multiple certificates at once, was something that would benefit Zurich. We recently went live and are seeing immediate improvements.”
Certificial currently supports hundreds of thousands of agencies, enterprises, and vendors. It integrates with leading carriers, agency management systems, and vendor management platforms, including Yardi, Truckstop, and DAT. Certificial operates as an end-to-end Certificate of Insurance (COI) platform, connecting insurance agents and vendor managers through its Smart COI Network® to improve commercial insurance verification and provide vendors with access to continuous coverage data. Its ecosystem streamlines verified insurance data via a collaborative platform, addressing the delays, risks, and administrative burdens associated with outdated COI workflows.
