CertifiKit COI tools

by certifikit.ai · https://certifikit.ai/mcp

Certificate of insurance tools: build subcontractor insurance requirements, check an ACORD 25.

4 tools✓ all read-only✓ no account neededPricing: on their site

See pricing →Visit website

88 /100

PASS · WITH NOTES

10 of 10 checks · 19 Oct 2026

What it can do

4 tools, in the server's own words.

build_insurance_requirementsread-only

Recommends the insurance a general contractor should require of a subcontractor, or a property manager or HOA of a vendor: general liability, auto, umbrella an…

check_certificateread-only

Checks a certificate of insurance (ACORD 25) against insurance requirements with CertifiKit's deterministic rules engine: coverage present, limits at or above …

list_requirement_presetsread-only

The ready-made insurance requirement sets check_certificate accepts as preset: a standard construction subcontractor and a property / HOA vendor, with every li…

find_coi_guidesread-only

Searches CertifiKit's plain-English guides on certificates of insurance: reading an ACORD 25, additional insured endorsements (CG 20 10), waiver of subrogation…

Test results

Safe mode: only tools labeled read-only were run. How the test works

!
Ready for the newest MCP version
1 warning
- !Uses an older MCP version (2025-11-25). It works today, but it isn't on the July 2026 version (2026-07-28) yet.
note
!
Every tool is described
1 warning
- !find_coi_guides: Inputs with no description: limit
note
✓
ConnectsConnected in 201 ms
pass
✓
Lists its toolsFound 4 tools
pass
✓
Tools are labeled safe or dangerousEvery tool has a safety label
pass
✓
No hidden instructionsNo hidden instructions found in tool descriptions
pass
✓
Tools work with good inputs
All good
- ✓build_insurance_requirements: Worked (170 ms)
- ✓check_certificate: Answered with an error, probably because of our sample input: Pass either `preset` (standard-subcontractor or property-vendor) or a `requirements` object from build_insurance_requirements. {"error":"Pa…
- ✓list_requirement_presets: Worked (55 ms)
- ✓find_coi_guides: Worked (72 ms)
pass
✓
Bad inputs give a clean error
All good
- ✓build_insurance_requirements: Refused missing required input "context" with a clear error
- ✓build_insurance_requirements: Refused wrong type for "context" with a clear error
- ✓check_certificate: Refused missing required input "certificate" with a clear error
- ✓check_certificate: Refused wrong type for "certificate" with a clear error
- ✓find_coi_guides: Refused wrong type for "query" with a clear error
pass
✓
Fast enough
All good
- ✓Connecting took 201 ms
- ✓Listing tools took 46 ms
- ✓Average tool answer: 89 ms
- ✓build_insurance_requirements: Slowest tool: build_insurance_requirements (170 ms)
pass
✓
No secrets leakedChecked 6 error messages: no secrets or internal details
pass
–
Tools work togetherNo tool's answer could be fed into another tool, so there were no chains to test (not counted either way)
not tested

Test it yourself

Free and open source. Same checks, same score.

npx qamcp-cli https://certifikit.ai/mcp

Score over time

19 Oct 202688

One test so far. New tests will show here.

Reviews

Coming soon: reviews from people who use CertifiKit COI tools, signed in with GitHub, one per person. Reviews never change the score.

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