# CertifiKit COI tools

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

- name: ai.certifikit/coi-tools
- version: 1.0.0
- connection class: R0 (autonomous)
- trust: 83/100 flags: no-repository
- quality: 89/100 (new)
- owner: not claimed
- descriptor: https://api.protogrid.dev/v1/servers/ai.certifikit%2Fcoi-tools
- tools: https://api.protogrid.dev/v1/servers/ai.certifikit%2Fcoi-tools/tools

**An agent can connect right now, no human step.** Remote endpoint, no authentication, reachable on the last probe.

## Connection (mcpServers)

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


## Trust

- hygiene: 80
- liveness: 100
- freshness: 100
- provenance: 55
- drivers: +dns-namespace +website +reachable +uptime-100% +updated-2d-ago -no-repository
- Derived from observable signals (official registry feed and our own credential-free probes); no code audit performed.

## Quality 89/100 (new)

### protocol: 75 (weight 25)

- warn `protocol.modern`: newest supported version is 2025-11-25; 2026-07-28 not supported, older versions are deprecated until 2027-07-28
- n/a `protocol.stateless`: only applies to 2026-07-28 servers
- pass `protocol.transport`: streamable HTTP
- n/a `protocol.list_ttl`: only applies to 2026-07-28 servers

### authorization: n/a (weight 15)

- n/a `auth.prm`, `auth.as_metadata`, `auth.cimd`: no remote uses OAuth
- n/a `auth.secret_in_url`: no templated URL

### tool hygiene: 100 (weight 30)

- pass `tools.descriptions`: every tool has a description
- pass `tools.description_length`: descriptions are concise
- pass `tools.schemas`: every tool has an object input schema
- pass `tools.annotations`: 4 of 4 tools declare readOnlyHint or destructiveHint
- pass `tools.directory_hints`: every tool declares readOnlyHint, destructiveHint, idempotentHint and openWorldHint
- pass `tools.token_cost`: about 3,710 tokens to load every tool
- pass `tools.api_dump`: tools are not a one-to-one API dump

### stability: n/a (weight 15)

- n/a `stability.changes`, `stability.rug_pull`: tool history recorded for 2 of the 7 days needed

### dependencies: n/a (weight 15)

- n/a `deps.known_vulns`, `deps.mcp_sdk_version`, `deps.resolvable`: no npm or PyPI package

- tools: 4, about 3,710 tokens to load them all
- tool set hash: 22578ed445eb044d2b49598860d3fc7c
- badge: [![protogrid quality](https://protogrid.dev/badge/ai.certifikit/coi-tools.svg)](https://protogrid.dev/servers/ai.certifikit/coi-tools)
- Checks run on what our credential-free, read-only probes observe; tools are never called and no code audit is performed.

### Tool changes

_No tool definition changes recorded._

## Remotes

- https://certifikit.ai/mcp (streamable-http, auth none, reachable true, uptime30d 1)

## Packages

_none_

## Tools (4)

- `build_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.
- `check_certificate`: 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.
- `find_coi_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.
- `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.