# CertifiKit COI tools (remote · certifikit.ai)

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

- Trust score: 79/100 (medium)
- Change this week: +3
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-11-05

## Components

- remote · `certifikit.ai`: 79/100 (this document), [markdown](https://verifymcp.io/servers/ai-certifikit-coi-tools/certifikit.md), [page](https://verifymcp.io/servers/ai-certifikit-coi-tools/certifikit)

## Channel facts

- Endpoint: `https://certifikit.ai/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.0.0`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-11-05.

- **Endpoint Security**: 80/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC check failed: this domain isn't protected by DNSSEC.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 59/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 1128 tokens (~282/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 60/100
  - Stability observed for 18 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 97/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 92% of tool parameters carry a description.
- **Tool Safety**: 100/100
  - No prompt-injection markers were found in the server instructions, tool names or descriptions we captured.
  - We read all 4 captured tool definition(s), and no name or description among them implies an irreversible operation.
  - An AI judge read all 5 captured unit(s) of tool text and found none that tries to manipulate the model reading it.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### How do I install the CertifiKit COI tools MCP server?

CertifiKit COI tools is a hosted endpoint at https://certifikit.ai/mcp, so there is nothing to install locally. Ready-made configuration for Claude, Cursor, VS Code, Codex and 5 more is on this page, copied from each client's own documentation.

### Claude

```bash
claude mcp add --transport http ai-certifikit-coi-tools 'https://certifikit.ai/mcp'
```

### Cursor

```json
{
  "mcpServers": {
    "ai-certifikit-coi-tools": {
      "url": "https://certifikit.ai/mcp"
    }
  }
}
```

### VS Code

```json
{
  "servers": {
    "ai-certifikit-coi-tools": {
      "type": "http",
      "url": "https://certifikit.ai/mcp"
    }
  }
}
```

### Codex

```toml
[mcp_servers.ai-certifikit-coi-tools]
url = "https://certifikit.ai/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "ai-certifikit-coi-tools": {
      "type": "remote",
      "url": "https://certifikit.ai/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add ai-certifikit-coi-tools --url 'https://certifikit.ai/mcp' --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  ai-certifikit-coi-tools:
    url: "https://certifikit.ai/mcp"
```

### Netclaw

```json
{
  "McpServers": {
    "ai-certifikit-coi-tools": {
      "Transport": "http",
      "Url": "https://certifikit.ai/mcp"
    }
  }
}
```

### Vellum

```bash
assistant mcp add ai-certifikit-coi-tools -t streamable-http -u 'https://certifikit.ai/mcp'
```

### Other

```json
{
  "mcpServers": {
    "ai-certifikit-coi-tools": {
      "type": "http",
      "url": "https://certifikit.ai/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-11-05 (score 79, +1)

No change was recorded against any check on this day. Stability & Change Management went from 57 to 60. That category is still filling its 30-day observation window: 17 days of observed history at the previous scan, 18 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-03 (score 78, +1)

No change was recorded against any check on this day. Stability & Change Management went from 50 to 53. That category is still filling its 30-day observation window: 15 days of observed history at the previous scan, 16 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-11-01 (score 77, +1)

No change was recorded against any check on this day. Stability & Change Management went from 43 to 47. That category is still filling its 30-day observation window: 13 days of observed history at the previous scan, 14 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-29 (score 76, +1)

No change was recorded against any check on this day. Stability & Change Management went from 33 to 37. That category is still filling its 30-day observation window: 10 days of observed history at the previous scan, 11 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-27 (score 75, +1)

No change was recorded against any check on this day. Stability & Change Management went from 27 to 30. That category is still filling its 30-day observation window: 8 days of observed history at the previous scan, 9 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-25 (score 74, +1)

No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-23 (score 73, +1)

No change was recorded against any check on this day. Stability & Change Management went from 13 to 17. That category is still filling its 30-day observation window: 4 days of observed history at the previous scan, 5 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-10-21 (score 72, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

## MCP tools (4)

### `build_insurance_requirements` (~596 tokens)

Build contract insurance requirements

Recommends the insurance a general contractor should require of a subcontractor, or a property manager or HOA of a vendor: general liability, auto, umbrella and workers' comp limits, additional insured, waiver of subrogation and primary/non-contributory wording, scaled to the trade's risk and the contract size. Returns the reasoning for each limit, contract-ready exhibit text, and a requirements object that check_certificate accepts.

Input parameters:

- `cancellationNoticeDays` (integer): Days of written notice before cancellation. 0 = as the policy provides.
- `context` (string, required): "gc" = a contractor hiring a subcontractor; "property" = a property manager or HOA hiring a service vendor.
- `contractSize` (string, required): Contract value band. For "gc": under-50k, 50k-250k, 250k-1m, over-1m. For "property": under-10k, 10k-50k, 50k-250k, over-250k. A band from the other context is mapped to the smallest valid one.
- `hasEmployees` (boolean): false for a sole proprietor with no employees: workers' comp is replaced by a signed exemption declaration.
- `overrides` (object): Optional dollar limits that replace the recommended ones, for lines that are already required.
- `trade` (string, required): The vendor's trade, and the contexts it is offered in: "general" = General / multi-trade (gc); "carpentry" = Carpentry / framing (gc); "concrete" = Concrete / masonry (gc); "drywall" = Drywall / plas…
- `usesVehicles` (boolean): Drives to or around the site. false drops commercial auto.

### `check_certificate` (~290 tokens)

Check a certificate of insurance

Checks a certificate of insurance (ACORD 25) against insurance requirements with CertifiKit's deterministic rules engine: coverage present, limits at or above the minimums, policies not expired or expiring too soon, and the required endorsements. Read the certificate yourself and pass what it shows; the verdict (pass, fail or needs_review) and a plain-English reason per requirement come from fixed rules, not a model. Anything unreported, unreadable or below 0.7 confidence is routed to needs_review, never silently passed. Use preset or the requirements object from build_insurance_requirements.

Input parameters:

- `asOf` (string): Date to check expiry against, yyyy-mm-dd. Defaults to today.
- `certificate` (object, required): What the certificate shows. Report only what is printed; do not infer. Leave out rows the certificate does not have.
- `preset` (string): "standard-subcontractor" = Typical GC requirements for a trade sub: GL $1M/$2M, auto $1M, workers' comp $1M, additional insured + waiver of subrogation. "property-vendor" = Common requirements for se…
- `requirements` (object): Custom requirements, e.g. the requirements object returned by build_insurance_requirements. Takes precedence over preset.

### `list_requirement_presets` (~42 tokens)

List requirement presets

The ready-made insurance requirement sets check_certificate accepts as preset: a standard construction subcontractor and a property / HOA vendor, with every limit and endorsement spelled out.

### `find_coi_guides` (~93 tokens)

Find certificate of insurance guides

Searches CertifiKit's plain-English guides on certificates of insurance: reading an ACORD 25, additional insured endorsements (CG 20 10), waiver of subrogation, subcontractor and HOA vendor insurance requirements, COI tracking. Returns titles, summaries and links to cite. Leave query empty to list the newest.

Input parameters:

- `limit` (integer)
- `query` (string): Topic or question.

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/ai-certifikit-coi-tools/certifikit#diagnostics

## Score history

- 2026-11-05: 79
- 2026-11-04: 78
- 2026-11-03: 78
- 2026-11-02: 77
- 2026-11-01: 77
- 2026-10-31: 76
- 2026-10-30: 76
- 2026-10-29: 76
- 2026-10-28: 75
- 2026-10-27: 75
- 2026-10-26: 74
- 2026-10-25: 74
- 2026-10-24: 73
- 2026-10-23: 73
- 2026-10-22: 72
- 2026-10-21: 72
- 2026-10-20: 71
- 2026-10-19: 71
- 2026-10-18: 70

## Common questions

### What is the CertifiKit COI tools MCP server?

CertifiKit COI tools is an MCP server listed in the public MCP registry as ai.certifikit/coi-tools. Certificate of insurance tools: build subcontractor insurance requirements, check an ACORD 25. This page covers its hosted endpoint (https://certifikit.ai/mcp).

### Is the CertifiKit COI tools MCP server safe to use?

CertifiKit COI tools scores 79 out of 100 on VerifyMCP. That is a record of what we were able to check automatically, not an endorsement. The category breakdown on this page shows every signal behind the number, including the ones we could not confirm.

### What tools does the CertifiKit COI tools MCP server expose?

CertifiKit COI tools exposes 4 tools: build_insurance_requirements, check_certificate, list_requirement_presets, find_coi_guides. Their descriptions and schemas cost roughly 1,021 tokens of context every time the server is loaded.

### Does the CertifiKit COI tools MCP server require authentication?

No. We connected to CertifiKit COI tools without credentials and it answered, so anything it exposes is reachable by anyone who knows the address.

### Is the CertifiKit COI tools MCP server still maintained?

CertifiKit COI tools is still listed as active in the MCP registry. We last reached this channel on 5 November 2026. Those dates come from our own scans of the registry and the channel itself, not from anything the publisher announced.

## Links

- Remote endpoint: https://certifikit.ai/mcp
- Website: https://certifikit.ai/mcp-server
- Changelog RSS feed: https://verifymcp.io/servers/ai-certifikit-coi-tools/certifikit.xml
- Changelog JSON feed: https://verifymcp.io/servers/ai-certifikit-coi-tools/certifikit.json
- HTML version of this page: https://verifymcp.io/servers/ai-certifikit-coi-tools/certifikit