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AI ERP Applications/Linos Clarity/Vehicle Insurance
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ACORD · Coverage Adequacy · Fleet Reconciliation

Clarity Vehicle Insurance

No more expired COIs. No more coverage gaps. No more spreadsheets.

Every certificate of insurance auto-extracted, validated against your coverage requirements, reconciled against your fleet or contractor list, and alerted at T-60/T-30/T-0 so renewals never fall through the cracks.

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91%
straight-through processing
T-60
automated renewal alerting
9
coverage types validated
Capabilities

What Clarity Vehicle Insurance does.

ACORD field extraction

Named insured, carrier, policy number, coverage types, limits, effective date, expiration date, certificate holder, additional insureds. Works on ACORD 25, 28, 27, and carrier custom formats.

Coverage-adequacy rules

Per-contract or per-role coverage requirements (e.g. 'General liability ≥ $1M for every contractor on city property'). Validated on ingest.

Expiration alerting

T-60 to the insured, T-30 to the owner, T-0 and beyond to leadership. Grace windows configurable per contract type.

Fleet & contractor reconciliation

Match each certificate to the correct fleet asset or contractor record. Orphaned certificates and uncovered assets both surface.

Additional insured verification

Confirms the correct named additional-insured is on the certificate. Flags if missing, misspelled, or for the wrong entity.

Workflow integration

Block work orders, vehicle dispatches, or permit issuance automatically if coverage is expired, inadequate, or missing.

Flow

End-to-end, document to ERP.

1
Intake
PDF upload, email inbox, or carrier portal. Auto-classified as an ACORD certificate.
2
Extract
Schema-driven extraction across carrier variants. Confidence scoring per field.
3
Validate
Coverage compared to the contract's required limits. Gaps flagged with specifics.
4
Reconcile
Matched against fleet or contractor record. Orphans and missing coverage surface.
5
Alert
Expiration timers trigger outbound notifications; blocking rules fire if enforced.
Compliance

Built to the standard the data requires.

Every Clarity Vehicle Insurance deployment operates under the same controls shared across the Clarity platform — and the app-specific ones listed on the right. Field-level audit. Encryption everywhere. Principle of least privilege.

App-specific controls
  • Source retentionOriginal certificate preserved
  • Audit logEvery extraction and validation event
  • Access controlRole-based viewing by contract type
  • Encrypted storageAES-256 at rest, TLS 1.2+ in transit
  • Change historyCarrier changes tracked over time
Integrations

Plugs into what you already have.

Pre-built connectors for the common systems. File-based, SFTP, webhook, and portal-automation fallbacks for the rest.

Fleet management systemsContractor databasesPermit systemsProcurement / Vendor MasterSharePoint / Document librariesEmail inboxesCarrier portals (Travelers, Hartford, Liberty Mutual, etc.)Slack / Teams alertsWorkday Supplier
Production proof

Already running in production.

91%
state-regulated insurance carrier

Straight-through processing of policy and certificate intake at a P&C insurance carrier. Regulatory reporting integrated.

Zero
missed renewal windows

Across 18 months of production use at the reference carrier, the alerting chain caught every renewal before expiration.

9
coverage types handled

Auto liability, general liability, workers' comp, umbrella, cargo, physical damage, hired/non-owned auto, E&O, cyber.

Frequently asked

Does it work with non-ACORD forms?
Yes. The extraction schema handles ACORD 25/27/28 as the standard and also carrier-custom formats. For truly unique formats we typically add a schema variant in a few hours during the pilot phase.
Can we set different coverage requirements per contract?
Yes. Coverage rules are stored per contract, per role, or per vendor — whichever granularity you need. Rules include minimum limits, required endorsements, and required additional insureds.
What happens when a certificate is rejected?
The insured is automatically notified with specifics (e.g. 'Auto liability limit is $500K but contract requires $1M'). The certificate stays in a rejected state until an acceptable one is uploaded, and any dependent workflows (dispatch, work orders) are paused until then.

Ready to try Clarity Vehicle Insurance?

Launch the live demo with sample data, or talk to us about a proof-of-concept on your real documents.

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