Software for independent insurance agencies
We build tools for the document work that commercial lines runs on. Cupel is in early access, opening to a small first group of agencies.
Confirm your email, then one message when your seat opens. Nothing else.
The problem, in one sentence.
A form number on a certificate is not the wording in the policy.
Confirming that CG 20 10 appears on the schedule is fast, and it is not the same as knowing what the endorsement grants. Two published decisions show the distance between those two things.
In National Union Fire Insurance Co. v. R. Olson Construction Contractors, the certificate named the additional insured under "ISO form No. CG20101185". The endorsement actually in the policy read "arising out of your ongoing operations performed for that insured". The genuine 11 85 grant reads "arising out of your work for that insured by or for you", as another court quoted it for the same form number. The Illinois Appellate Court reversed and held the insurer had no duty to defend. A check against the form number passes that policy. Only reading the wording catches it.
In Colorado Casualty Insurance v. Safety Control Co., a subcontract cited a required form by number. The Arizona Court of Appeals held that "the subcontract's citation to that form did not relieve Safety Control of the obligation to provide the other coverages the subcontract required". Naming the form was never the whole obligation.
Cupel reads the forms schedule and the endorsement wording behind it, then tells you what each endorsement actually grants, with the page it came from. It is a control your agency runs, on policies you already hold.