The work is done.You just approve it.
Certova is the agency management system for commercial lines. The AI reads the request, checks the policy, drafts the certificate and cites every field it filled. A licensed person approves it before anything leaves.
A certificate, from inbox to issued.
The highest-volume, highest-liability task in the agency — the way it runs on Certova.
The request lands
A general contractor emails: additional insured on GL and auto, waiver of subrogation, primary and non-contributory. The contract is attached — 34 pages. The job starts Monday.
Certova drafts and cites
It reads Exhibit C, checks every requirement against the live policy, pulls wording from the audited library and builds the ACORD 25. Each field carries its source and fetch time. The checker runs: zero flags.
A licensed person approves
Marisol reviews the draft field by field and clicks approve. The snapshot freezes, the audit entry writes, and the certificate is in the holder’s inbox. Ninety seconds. Nobody typed anything.
No typing. No template hunting. One decision by a licensed human.
Three claims, stated precisely.
Certificates are verified, not transcribed
Before a certificate is drafted, the contract requirement is compared field by field against the active coverage — limits, endorsements, effective dates. If the policy can’t support the wording, you find out before it goes out, not after the claim.
Submissions prefill from the public record
Folio, year built, construction, square footage, roof year, flood zone — pulled from the county appraiser, the permit registry and FEMA, each with a source and a fetch date. Not from the insured’s memory.
Approval is architecture, not a setting
No agent can write to a policy, a certificate or an account. Every change crosses a human approval queue — through the app, the API and the MCP server alike. There is no configuration that turns this off.
Both languages are in the data model.
The Spanish is written, not machine-converted. Renewal letters, invoice reminders and WhatsApp replies go out in the language the client actually reads — with an insurance glossary that is locked, so “waiver of subrogation” never comes out wrong.
Run the numbers yourself.
Tenant isolation in the database
Row-level ownership one agency cannot cross — and the application account can’t override it.
An append-only audit log
Who, what, when, before and after — written in the same transaction as the change.
Write-once evidence
What a document said the day it was issued is frozen and stored write-once.