ACORD 25 COI · IRS W-9 · Factoring NOA · Quote Emails · 72h Case = 1 Credit
ACORD 25 Certificate of Insurance (COI) & Carrier Packet Scanner
Stop trusting phone numbers printed on uploaded PDFs. Upload any carrier packet (PDF or photo) or paste the dispatcher's quote email to cross-check federal BMC-91X policy numbers, detect incremental PDF edits, compare Motor Truck Cargo limits against your load value, and retrieve the insurance agency's verified corporate main line.
Independent Producer Phone Lookup
Bypasses edited Producer boxes by surfacing the insurance brokerage's independently verified corporate main switchboard.
PDF Revision & Edit Detection
Flags incremental PDF save revisions, overwritten text layers, and consumer PDF editor signatures before you book the truck.
Federal BMC-91X Policy Cross-Check
Matches Automobile Liability policy numbers on the ACORD 25 against active federal filings and 30-day cancellation notices.
W-9 & Top 50 Factoring NOA Check
Verifies Notice of Assignment remittance email domains against major factoring whitelists to prevent UCC § 9-406 double-payment exposure.
COI Face Limit Matched — Policy Exclusions Require Agent Call
Built-In 3-Question Cargo Policy Exclusion Checklists by Freight Type
Even genuine $100,000 Cargo certificates frequently hide exclusions that void claims. Every Carrier7 shipment case equips your dispatcher with the exact 3 questions to ask the verified insurance agency main line:
General Freight
- Confirm the Motor Truck Cargo policy is active today with a limit meeting or exceeding the declared load value and verify the exact per-occurrence deductible.
- Ask whether the policy contains an Unattended Vehicle Exclusion or Locked-Vehicle Warranty that voids coverage at overnight truck stops.
- Ask whether coverage applies to All-Risk / Broad Form physical damage rather than Named-Perils-Only, and confirm the dispatcher email belongs to the named insured.
Refrigerated / Temp-Controlled
- Confirm active Reefer Breakdown (Mechanical Breakdown & Temperature Spoilage) endorsement and verify its sub-limit and deductible match your load value.
- Ask whether the policy requires continuous downloadable microprocessor temperature recorder logs or strict pre-cooling protocols as a condition of coverage.
- Ask whether human error (incorrect thermostat set-point entry or driver shut-off) is covered or excluded under the Reefer Breakdown endorsement.
Motor Vehicles / Auto Hauler
- Confirm the policy explicitly covers Commercial Auto Hauling / Motor Vehicles in Transit (standard general cargo forms frequently exclude wheeled motor vehicles).
- Ask for both the per-vehicle sub-limit and the per-load aggregate limit, plus whether hail, road debris, loading/unloading ramp damage, and Diminished Value are covered.
- Confirm whether the specific 17-digit tractor/cottrell VIN assigned to pick up your vehicles is scheduled on the policy (if "Scheduled Autos Only" is checked on the COI).
High-Value / Targeted Commodities
- Ask whether this specific commodity category (electronics, pharmaceuticals, copper/metals, spirits, apparel) is subject to a Target Commodity Exclusion or reduced sub-limit.
- Confirm whether Voluntary Parting / Deceptive Pickup / Identity Impersonation is covered or excluded if freight is handed to an unauthorized third party.
- Verify any mandatory security warranties required for coverage (e.g., team drivers, 200-mile non-stop departure rule, active GPS tracking, or hard-sided trailer locks).
ACORD 25 COI & Packet Verification FAQs
How do altered ACORD 25 Certificates of Insurance defeat manual phone verification?
In a Producer Phone Swap scheme, bad actors take a legitimate carrier’s ACORD 25 PDF, edit the top-left Producer telephone number to a virtual VoIP line controlled by an accomplice, and inflate the Cargo limit. Calling the number printed on the PDF connects you to the accomplice. Carrier7 independently looks up the insurance agency’s verified corporate main switchboard via commercial business registries.
Can I upload smartphone photos of a COI or paste a quote email without a PDF?
Yes. You can upload native PDFs, smartphone photos (.jpg, .png, .webp), or paste a dispatcher quote email directly. If you start with a quote email today and upload the carrier’s COI and W-9 tomorrow, everything merges into the same 72-hour carrier case for 1 single credit.
Why does Carrier7 display "COI Face Limit Matched — Policy Exclusions Require Agent Call"?
An ACORD 25 certificate is an informational summary of face limits and does not list hidden policy exclusions—such as unattended vehicle warranties, reefer temperature-recorder mandates, or excluded target commodities. Carrier7 gives your team 3 commodity-specific exclusion questions and an attestation log to document underwriting confirmation.