Insurance Review is the heart of the portal: confirming a vendor carries the coverage Freedom Power requires before they can work. You review the Certificate of Insurance (COI), the five policy types, endorsements, and the certificate holder, then record an approve/deny decision.

The Insurance Review screen for a vendor with no COI yet

What you're looking at

• Certificate Holder Information. The exact holder text Freedom Power requires vs. what's detected on the COI, with a Match? Yes / No control. Use the pencil to edit the detected text.
• Insurance Policies. The five required policies — Commercial General Liability, Automobile Liability, Excess/Umbrella Liability, Workers' Comp & Employers' Liability, Professional Liability — each showing the required limit, expiration, and a scan status (Not Scanned until a COI is processed).
• COI panel (right). Where the uploaded certificate appears. "No COI has been uploaded for this vendor yet" until you add one.
• Final Internal Decision. The reviewer name/email fields, review comments, and the Non-Compliant / Approve buttons.

Uploading & scanning a COI

When you upload a COI, the portal runs automated ACORD 25 extraction (OCR) and pre-fills each policy's limits and expiration dates, plus detects endorsements and the certificate holder. You then confirm or correct the auto-filled values — the reviewer always has the final say.

Recording the decision

Once policies, endorsements, and the cert holder check out, fill in the reviewer fields and click Approve (or Non-Compliant). An approved review lets the vendor proceed to Sign Contract.

An approved vendor's insurance record with compliant policies and endorsements

Happy path

1. Open the vendor's Insurance Review (from the pipeline, the vendor page, or an Action Item).
2. Upload the COI and let the scan pre-fill the policies/endorsements.
3. Verify each policy's limit and expiration, mark the Cert Holder match Yes, and confirm endorsements.
4. Enter your reviewer name/email + comments and click Approve.

When a vendor isn't compliant

If coverage falls short, you have options short of a dead end:

• Mark the policies non-compliant and add review comments. When you save a Denied / Non-Compliant decision, your review notes are emailed to the vendor so they know exactly what to fix, and they can re-submit a corrected COI.