Coverage as structured data, frozen at the moment it matters.
Policies with real coverage structure: limits, deductibles, forms, endorsements and the clauses a certificate holder will ask about. A policy in Certova is a set of fields you can query, not a PDF with a number typed next to it.
Coverage is snapshotted, frozen, at the moment anything is issued against it. When a certificate is questioned two years later, the answer is what the policy said that day — not what the record says now.
What it does
Retyping coverage from a dec page into a certificate form.
Endorsements as data
Additional insured, waiver of subrogation and primary and non-contributory are modelled as endorsements on the policy, so the certificate cannot claim what the policy does not carry.
Two ways in, so there is no gap
Carrier download populates the record where it is available, and dec-page ingestion covers the carriers where it is not.
Frozen at issue
A frozen policy snapshot rides with every issued document. That snapshot is the errors-and-omissions defence.
See this in the walkthrough
The walkthrough shows this module doing the work on a real account, end to end.
See it working